What Is Guaranteed Acceptance Life Insurance? 
Guaranteed acceptance or guaranteed Issue insurance is a policy that is guaranteed you will qualify for regardless of your health condition . You are not required to take any medical exam , but usually you will have to answer just a few basic medical history questions . These policies do NOT guaranteed you will qualify if you are past the age limit however , which is typically either 80 or 85 . And there are usually some restrictions on benefit payouts within the first couple years . 