What Is Guaranteed Acceptance Life Insurance? 
Guaranteed acceptance in general means you do not have to take a medical exam to qualify . There are two basic types . Individual guaranteed acceptance , the kind you may get in the mail or from an agent , is going to be for a lower death benefit , usually around $ 5k to $ 50k . It will not pay within the first two years , but only return premium plus interest . After two years , it will pay as any other policy . The other basic type is group insurance , where members of a group can qualify without a medical exam , as long as a specific number of them apply . they may be able to get higher death benefits , usually around $ 150k . If you want a higher benefit , you will have to take a medical exam , and quality , either way . Thank you . GARY LANE . 