In the following table we’ve provided some sample rates for non-smoking applicants that are under the age of 40. For the price you pay, guaranteed issue policies don’t offer much coverage. All guaranteed issue life insurance carriers have specific age ranges. The best choice for guaranteed acceptance insurance in your 40s is Great Western. Coverage amounts are available up to $25,000 for individuals ages 50-80. We work with a carrier that offers guaranteed issue life insurance from 0 to 85. I am 40 years old and have not been able to find any company offering this type of policy to people under 45 years old. Despite these worries, life insurance is important and the decision to get protection should not be postponed. As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiums. AAA Life Insurance sells guaranteed issue life insurance to folks ages 45 to 85 for coverage amounts up to $25,000. They begin accepting applicants at age 40. For example, a $250,000, 20-year term life insurance policy for a woman in her 60s costs, on average, $908 per year. For those who are under age 40, you will need to wait for a guaranteed issue policy. Guaranteed Acceptance Life Insurance Rates Under Age 40. At age 100 and after there are no … If you have not been able to attain any regular insurance plan due to any reason (mainly health), we suggest you a guaranteed acceptance life insurance age 40. Please note, the rates for this guaranteed issue life insurance product are the same for males and females. Especially, when you reach the age of 40 years, it is almost halfway through life. Best Guaranteed Life Insurance Company for Age 40 to 49. Coverage amounts are available up to $25,000 for individuals ages 50-80. Fidelity Life: Fidelity Life offers a permanent whole life insurance policy called Rapid Decision Guaranteed Issue. AGL is not licensed to do business in New York. Must be between the ages of 50 and 80 to apply. However, there is an option for guaranteed issue insurance at age 40 to 49. Policies issued by AGL in all states except NY and ME, Policy #: 15532, ICC15-15532. There are some that do, but they are rather uncommon. I have health issues that keep me from qualifying for a regular life policy. In general, guaranteed issue life insurance companies don’t make their products available to anyone under the age of 50. After that, guaranteed issue life insurance may be worth it if you are healthy enough to survive … * The total amount of all American General Life Insurance Company Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate. In fact, most companies will not accept a guaranteed issue applicant until age 50. If you've been procrastinating due to anxiety over the process, guaranteed issue life insurance could be an option. On the opposite end of the spectrum, many insurance companies will stop taking applicants who are older than 80. As the name implies, there are life insurance policies that are guaranteed … Guaranteed acceptance life insurance, also called guaranteed issue or GI life insurance, is typically a whole life insurance policy with a limited death benefit. Life insurance is a crucial investment for anyone. Great Western is an exception. However most guaranteed issue life insurance is reserved for people age 40 or 50 and older. You should only look at guaranteed issue life insurance if you have exhausted your other life insurance options, especially if you are under the age of 65. I am a 40 male in Texas looking for a guaranteed issue life insurance policy. Despite these worries, life insurance could be an option for guaranteed insurance! 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