Get guaranteed acceptance life insurance with no medical exams. Perfect if you have health conditions or have been declined elsewhere. From £10/month.
Comprehensive guide to guaranteed acceptance life insurance. Get life insurance with no medical exams or health questions - guaranteed acceptance for everyone regardless of health conditions. Perfect if you've been declined elsewhere or have serious health issues. Cover ranges from £2,000 to £20,000 from just £10/month with 100% guaranteed acceptance.
By: Rosie Ritchie Protection Expert Updated: 5th January 2026
Compare Life Insurance Quotes »Guaranteed life insurance, or guaranteed acceptance life insurance, is a type of policy that’s designed for people over 50.
You pay a monthly premium, and it provides lifelong cover - guaranteeing a cash payout to your family members upon death.
Unlike other types of life insurance, you don’t have to provide details about your health as there are no medical questions when you apply.
You’re guaranteed to be accepted by the insurer, making this an ideal option for people over 50 who’ve not been accepted for other types of cover due health factors.
Find the right policy to suit your needs and budget by comparing over 50s life insurance with no medical through LifePro.
complete the costs you would like your policy to cover and calculate how much guaranteed over 50 life insurance you may need.
The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.
Consider the following when calculating your life insurance needs:
For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).
Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Guaranteed Life Insurance, and find the right level of cover for your needs at the best available price.
Compare Life Insurance Quotes »Guaranteed life insurance could start from just £5 a month through LifePro.
The exact cost will depend on the insurer and your personal circumstances.
Your monthly life insurance premiums will be determined by:
Guaranteed life insurance (also called guaranteed acceptance life insurance) is a type of policy that accepts everyone aged 50-85 without medical exams or health questions. It's primarily offered as over 50s life insurance and provides lifelong cover with guaranteed payout when you die.
Anyone aged 50-85 who is a UK resident. There are no medical exams, no health questions, and no reasons for decline. This makes it ideal if you have serious health conditions, have been declined for standard life insurance, or simply want hassle-free acceptance.
Premiums typically range from £10-£50 per month depending on your age and the cover amount you choose. Because acceptance is guaranteed regardless of health, premiums are generally higher per £1,000 of cover than standard life insurance.
Most policies have a 12-24 month qualifying period. If you die from natural causes during this time, your beneficiaries receive a refund of premiums paid (plus interest), not the full cover amount. If death is accidental, full cover usually pays immediately. After the qualifying period, full cover applies.
Yes, if you have health conditions that prevent you from getting standard life insurance or if you've been declined elsewhere. However, if you're in reasonable health, standard life insurance typically offers better value with lower premiums and immediate full cover.
No, as long as you're aged 50-85 and a UK resident, you're guaranteed to be accepted. There are no health questions, medical exams, or reasons for decline - hence the name 'guaranteed acceptance' life insurance.
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100% guaranteed acceptance with no medical exams. Compare quotes from leading UK insurers from just £10/month.
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