Senior Life Insurance with Guaranteed Acceptance
Rates start at $21/month*
What is Senior Life Insurance?

It's Guaranteed Issue Life Insurance Protection with NO Health Questions and NO Medical Exam

Guaranteed Issue Whole Life Insurance for seniors is a simple and convenient life insurance policy designed to help cover final expenses like:

  Medical Bills
  Funeral Costs
  Credit Card Debt
  Mortgage & Bills

With Senior Life Insurance, simply by being between the ages of 50-80, you are guaranteed acceptance without answering health questions or taking a medical exam. Policies range between $5,000-$25,000 in coverage which can be used by your beneficiary for any purpose, including final expenses such as burial and funeral costs, medical bills, and outstanding debt you may leave behind. According to a 2021 study by The National Funeral Directors Association (NFDA), the estimated median cost of a funeral is $7,848.


  NO Medical Exam
  Coverage within 48 Hours
  100% Online Application
  Up to $25,000 in Coverage1
  Guaranteed Coverage for ages 50-80

With a guaranteed issue whole life insurance policy, your help financially support your loved ones after you pass. Additionally, Guaranteed Issue Whole Life Insurance is a Permanent Life Insurance that guarantees lifetime coverage at a locked-in premium rate for the duration of the policy.

Get Your Hassle-Free Life Insurance Quote for Seniors Today!


*Advertised Rates concerning $21/month are current as of 2/5/21 and are for a $5,000, whole life insurance policy for a female age 50. Premiums will vary by issue age, gender, and face amount. Premiums are level and guaranteed not to increase. Benefit amounts are subject to AGL limitations.

1The total amount of all AGL Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate. Must be between the ages of 50 and 80 to apply. Coverage is subject to receipt of payment and verification of identity as required by law and is effective upon receipt of policy. Policies issued by AGL in all states except NY and ME. Policy #: 20532, ICC20-20532, and Rider numbers 15200, ICC15-15200, 15201 and ICC15-15201. The riders are not available in CA. AGL is not licensed to do business in New York. In PA this product is offered through online sales only.

An Accelerated Death Benefit Rider (ABR) is not a replacement for Long Term Care Insurance (LTCI). It is a life insurance benefit that gives you the option to accelerate some of the death benefit in the event the insured meets the criteria for a qualifying event described in the policy. The rider does not provide long-term care insurance subject to California insurance law, is not a California Partnership for Long-Term Care program policy. The policy is not a Medicare supplement.

ABRs and LTCI provide different types of benefits. An ABR allows the insured to access a portion of the life insurance policy’s death benefit while living. ABR payments are unrestricted and may be used for any purpose. LTCI provides reimbursement for necessary care received due to the inability to perform activities of daily living or cognitive impairment.

The activities of daily living are bathing, continence, dressing, eating, toileting, and transferring.

LTCI coverage may include reimbursement for the cost of a nursing home, assisted living, home health care, homemaker services, adult day care, hospice services or respite care for the primary caretaker and the benefits may be conditioned on certain requirements or meeting an elimination period or limited by type of service, the number of days or a maximum dollar limit. Some ABRs and all LTCI are conditioned upon the insured not being able to perform two or more of the activities of daily living or being cognitively impaired.

This ABR pays proceeds that are intended to qualify for favorable tax treatment under section 101(g) of the Internal Revenue Code. The federal, state, or local tax consequences resulting from payment of an ABR will depend on the specific facts and circumstances, and consequently advice and guidance should be obtained from a personal tax advisor prior to the receipt of any payments. ABR payments may affect eligibility for, or amounts of, Medicaid or other benefits provided by federal, state, or local government. Death benefits and policy values, such as cash values, premium payments and cost of insurance charges if applicable, will be reduced if an ABR payment is made. ABR payments may be limited by the contract or by outstanding policy loans.