Coverage options starting at $9.95 a month!

Guaranteed acceptance life insurance without medical exams, health questions or rate increases.

We believe in making insurance simple

Guaranteed Acceptance
Life Insurance

We offer Guaranteed acceptance whole life insurance for those ages 50-85 (in most states) with options starting at $9.95 a month— ease the burden of final expenses and get back to living life on your terms.

Colonial Penn’s ® popular guaranteed acceptance whole life insurance coverage rates are offered in units. A unit of coverage corresponds to the life insurance benefit amount that an individual can purchase. Coverage amounts are based on age, gender (in Montana, age only) and state of residence. The price per unit is a fixed amount. Multiple units can be purchased to help build a larger death benefit.

Explore the benefits

No medical exam and no health questions required

Locked-in premium rate that won’t increase

Budget confidently with flexible payment options

Coverage can't be cancelled
(As long as you pay your premiums)

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Choose Colonial Penn ®

Since 1957, Colonial Penn has specialized in making life insurance simple and accessible by offering it directly to consumers at affordable prices.