Must be between the ages of 50 and 80 to apply. However most guaranteed issue life insurance is reserved for people age 40 or 50 and older. * 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. Coverage amounts are available up to $25,000 for individuals ages 50-80. Especially, when you reach the age of 40 years, it is almost halfway through life. If you've been procrastinating due to anxiety over the process, guaranteed issue life insurance could be an option. Fidelity Life: Fidelity Life offers a permanent whole life insurance policy called Rapid Decision Guaranteed Issue. I am a 40 male in Texas looking for a guaranteed issue life insurance policy. They begin accepting applicants at age 40. I have health issues that keep me from qualifying for a regular life policy. We work with a carrier that offers guaranteed issue life insurance from 0 to 85. AGL is not licensed to do business in New York. For those who are under age 40, you will need to wait for a guaranteed issue policy. At age 100 and after there are no … For example, a $250,000, 20-year term life insurance policy for a woman in her 60s costs, on average, $908 per year. All guaranteed issue life insurance carriers have specific age ranges. Despite these worries, life insurance is important and the decision to get protection should not be postponed. There are some that do, but they are rather uncommon. 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 … Coverage amounts are available up to $25,000 for individuals ages 50-80. For the price you pay, guaranteed issue policies don’t offer much coverage. In fact, most companies will not accept a guaranteed issue applicant until age 50. Life insurance is a crucial investment for anyone. Best Guaranteed Life Insurance Company for Age 40 to 49. Great Western is an exception. After that, guaranteed issue life insurance may be worth it if you are healthy enough to survive … However, there is an option for guaranteed issue insurance at age 40 to 49. Guaranteed Acceptance Life Insurance Rates Under Age 40. 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. In the following table we’ve provided some sample rates for non-smoking applicants that are under the age of 40. In general, guaranteed issue life insurance companies don’t make their products available to anyone under the age of 50. Policies issued by AGL in all states except NY and ME, Policy #: 15532, ICC15-15532. 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. 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