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Acceptance Life is a simplified issue whole life insurance plan that has been designed for hard-to-insure individuals who have been declined insurance for any reason. If death occurs in the first two years, premiums are returned with simple 3% interest. There are a number of options available with this plan and the application is as quick as answering 2 simple questions. It can be purchased by those 40 to 80 years of age.

Standard Benefits

Coverage amounts can range from $2,500 to $50,000.

Free Terminal Illness Benefit
If you are diagnosed with a terminal illness after 2 years of coverage, you can receive up to 25% of the death benefit. A terminal illness is defined as an illness that is expected to end your life in less than 2 years. Any amount paid under this benefit will be deducted from your coverage amount at the time of death. This benefit is included at no extra cost.

Cash Value
Starting in the 5th policy year, you can cancel your coverage and receive back a percentage of your premiums. This benefit is included at no extra cost.

Automatic Premium Loan Provision
Once you have made a number of premium payments, and you miss a payment then the insurance company automatically borrows (with interest) against any available cash value to pay your missed premium. Any missed payments can later be repaid. This benefit is included at no extra cost.

Optional Features

Accidental Death Benefit
The accidental death benefit can equal your benefit amount, or be 3 times, or 5 times your initial coverage. This means that your beneficiary would receive a total of 2, 4, or 6 times your initial coverage amount if you died in an accident. This option can be purchased by those under 65 and the benefit ends at age 70.


Premium payments may be made annually or monthly. All payments can be made through your bank account or credit card. There is an annual policy fee of $60. There is a $40 policy fee for an optional second policy.

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