No Health Questions — And What That Costs You
If your health has closed other doors, this one stays open: acceptance by age (45 to 85 at most carriers we list), no questions, no exam. The honest part is the graded benefit, and we put it in the first paragraph instead of the fine print.
The Graded Benefit, In One Picture
Two-year version shown; Fidelity Life uses three years, Americo steps up over three. Rules from carrier materials, Oct 2026.
The Carriers And Their Rules
| Carrier | Issue ages | Amounts | Graded period | Natural death in period |
|---|---|---|---|---|
| Mutual of Omaha (United of Omaha) Guaranteed Whole Life | 45–85 (NY 50–75) | $2,000–$25,000 | 2 years | Reduced benefit — 110% of premiums paid (per United of Omaha product page; Mutual of Omaha chart says "reduced death benefit") |
| Fidelity Life RAPIDecision Guaranteed Issue | 50–85 | Up to $25,000 | 3 years | Reduced benefit in years 1–3 |
| Gerber Life Guaranteed Life | 50–80 (NY to 75) | $5,000–$25,000 | 2 years | Premiums paid + 10% |
| Corebridge Direct (American General) Guaranteed Issue Whole Life | 50–80 | $5,000–$25,000 | 2 years | 110–120% of premiums paid |
| Colonial Penn Guaranteed Acceptance | 50–85 | Sold in "units" (benefit per unit falls with age) | 2 years | Limited benefit |
| Great Western Guaranteed Assurance | 40–80 | $1,000–$40,000 | 2 years | 110% of premiums paid |
| Americo Eagle Guaranteed | 50–80 | $5,000–$10,000 | 3 years (graded) | Year 1 premiums + 5%; year 2 + 10%; year 3 75% of face |
| CICA Life Superior Choice GI | 0–85 | $1,000–$30,000 (to age 70); $1,000–$10,000 (71–85) | 2 years | 110% of premiums paid |
Compiled Oct 22, 2026 from Mutual of Omaha, Fidelity Life, Gerber Life, Corebridge Direct, Colonial Penn, Americo; Great Western and CICA Life agent guides. State availability and amounts change; the application controls.
Before We Quote It
A licensed agent asks whether you could answer a few health questions. If the answers work, a final expense policy usually costs less and pays in full from day one. Guaranteed acceptance stays as the fallback — never the first offer.
Never Called "Low Cost"
Model regulations (NAIC Model 570) bar advertising a graded policy as low-cost or inexpensive. We follow that rule on every page: the only thing we call cheaper is the door with questions.