This means you can't find a better price for the same insurer's product.
Expert Advice from an Insurance Professional
Find Affordable Life Insurance In Richmond VA Now!
Get an Affordable Life Insurance QuoteNo Medical Exam Required — Coverage for All Health Conditions
Secure coverage without a medical exam—ideal for seniors or those with preexisting conditions across Virginia.
Get My Free Quote →Guaranteed acceptance (or guaranteed issue) life insurance requires no medical exam and asks no health questions. Coverage is approved for all applicants within the eligible age range, providing peace of mind for families who need fast protection.
| Feature | Guaranteed Issue | Traditional Life Insurance |
|---|---|---|
| Medical Exam | Not required | Often required |
| Health Questions | None | Detailed health questions |
| Age Limit | 50–85 (varies by carrier) | 18–75 |
| Coverage Amount | $5,000–$25,000 | Up to $1,000,000+ |
| Approval Speed | Fast, usually days | Weeks |
| Premiums | Higher for same coverage | Lower if healthy |
Guaranteed issue is perfect for seniors or those with health issues needing fast coverage. Traditional life insurance is better for healthy applicants seeking larger amounts or lower premiums.
“I was turned down multiple times due to health issues, but David helped me get guaranteed acceptance life insurance. Now my family has peace of mind without the stress of exams or delays.” — J. K., Richmond
Complete the form below or call (804) 551-9526 to get fast, no-obligation coverage in Virginia.
