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We offer life insurance products for ages 18 to 85 (most states), including Term and Permanent Life Insurance.
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Guaranteed Issue Whole Life

No Exam or Health Questions, Ages 50-85

Acceptance:
  • Guaranteed Acceptance. You cannot be turned down because of your health
  • No health questions asked, no physicals to take
  • For ages 50-85 (most states)
Benefit:
  • Your benefit won’t decrease because you grow older, although it is limited in the 1st two years.
Rate:
  • Your rate is locked in and guaranteed to never increase for as long as your coverage lasts.

Each policy we issue comes with a 30-Day Free-Look Guarantee

Term Life Insurance

No Exam, Just Health History, Ages 18-75

Colonial Penn Patriot Program ® Term Life Insurance

Acceptance:
  • No medical exam. Answers to a few questions on the application/enrollment form will help us determine your eligibility.
  • For ages 18-75 (most states).
  • Renewable up to age 90.
Benefit:
  • Up to $50,000 of term life insurance
  • Your benefit won't decrease as you grow older.
Rate:
  • Your rate will stay the same until you reach a new age band. Rates increase as you enter a new age band.

Each policy we issue comes with a 30-Day Free-Look Guarantee

Permanent Life Insurance

No Exam, Just Health History, Ages 40-75

Colonial Penn Patriot Program ® Permanent, Whole Life Insurance

Acceptance:
  • No medical exam. Answers to a few questions on the application/enrollment form will help us determine your eligibility.
  • For ages 40-75 (most states).
Benefit:
  • Up to $50,000 of permanent whole life insurance
  • Your benefit won't decrease as you grow older.
Rate:
  • Your rate is locked in and guaranteed to never increase for as long as your coverage lasts.

Each policy we issue comes with a 30-Day Free-Look Guarantee

What kind of life insurance do you offer?

  • Guaranteed Acceptance whole life insurance (ages 50 - 85, most states)
  • Term life insurance up to $50,000 (ages 18 – 75, most states). No medical exam is required - your answers to a few health questions help us determine your eligibility.
  • Permanent, whole life insurance up to $50,000 (ages 40 - 75, most states). No medical exam is required - your answers to a few health questions help us determine your eligibility

What is a unit?
For our Guaranteed Acceptance Life plan, a unit of coverage corresponds to the life insurance benefit amount you can purchase, and it depends on age, gender and state. Please get a quote to see benefit amounts and premiums available to you for up to 8 units of coverage.

Will I always need to answer medical questions and take a physical to apply for coverage?
No. With our Guaranteed Acceptance Life plan you cannot be turned down for coverage due to your health (there is a 2-year limited benefit before full benefits take effect). For some of our plans your answers to a few simple health questions help us determine your eligibility, but you will not be required to take a physical.

What if I apply for coverage, but change my mind later?
Count on our 30-Day Free-Look Guarantee for peace of mind. If you decide this coverage isn't for you, no matter what the reason, just return your insurance documents within 30 days of receipt for a complete refund, no questions asked.

Does it pay to act now?
When it comes to buying life insurance, age matters. It makes good sense to apply now. If you have a birthday in the near future we suggest calling us right away, so you can quickly lock in the lowest possible rates or highest possible benefit amount.

Do you offer online Customer Service?
Yes! Customers can register at MyColonialPenn.com and see their coverage, premium, cash value and loan information. We also offer online premium payment, and you can email us anytime with questions about your policy.