Guaranteed Acceptance Life Insurance

Guaranteed acceptance life insurance is a type that's very attractive to older people because we can't be turned down. There's no medical exam, not even any health questions. The only caveat with this kind of senior life insurance is that it almost always has a "limited benefit period." That means it won't pay off if you die within a specified time of buying, usually the first 2-3 years. That gives the company the breathing space it needs to be able to cover you while earning a bit on your investment. And if you do pass on during the limited benefit term, most companies will often return the premiums you've paid to date, with interest.

If you don't need full term life insurance for seniors, of if you can't qualify because of age or if you can't afford it, Guaranteed Acceptance Life Insurance can be a good option. It will provide your survivors with the cushion they may need to pay your final expenses—funeral costs, taxes due, debts and medical bills.

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