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Guaranteed Acceptance Life Cover

It’s life insurance you’re guaranteed to get with no medical questions asked
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How is this different from standard life insurance?

Guaranteed life insurance is popular among those who have serious health conditions and / or who’ve struggled to get covered via a standard policy. 

It typically runs to the end of your life, provided you keep paying your premiums.

Policies are guaranteed acceptance so there are no medical questions but, generally speaking, the amount you’re covered for (the ‘sum assured’ or pay-out amount) is lower than a typical life insurance policy.

Why LifeSearch?

Since 1998 we’ve helped over three quarters of a million UK families, over 1.5m individuals, to protect themselves and their loved ones. Nearly 20,000 customers like you rate us 4.9/5 on Trustpilot.

As an independent broker, not an insurer, we’re loyal to you and your needs. We’re here for you – not the insurer.

We’re not here to hassle but to inform and advise on what’s available to you, and find the best options for your budget.

Trusts and wills

At LifeSearch we can help you with information about putting your policy into Trust to keep your payment out away from things like probate and inheritance tax.

If you haven't yet written a will, our specialist partner can help with that too.

Is guaranteed life cover best for me?

People who turn to guaranteed acceptance life cover are usually those who have struggled (or will struggle) to get standard life insurance cover, most commonly because there’s a major health condition in play.

We’d recommend you call LifeSearch and speak with an expert. We’ll tell you which life insurance options are open to you, and which policies best match your needs and budget.

Guaranteed life cover definitely has its place, but it may be worth exploring your standard cover options first:

  • Level term life insurance
  • Decreasing term life insurance
  • Mortgage life insurance
  • Family Income Benefit

How much does it cost?

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LifeSearch From our Adviser Team

Guaranteed acceptance life cover is usually higher-cost than standard life insurance because the insurer naturally takes on more risk by not checking your health situation.

Even though there are no medical questions, we’ll need to know your age and how much cover (lump sum pay-out) you want to leave behind. The older you are, and the higher the pay-out you want, the higher your premiums are likely to be.

Frequently asked questions and points to consider

Confused? Call us

If you need an expert hand, we’re here. Guaranteed acceptance life insurance can be a very useful policy. But if other options are open, it’s definitely an idea to explore them.

Whether it’s right for you depends on your needs, health, family situation and budget. So tag us in. We’ll ask the right questions, search the market and make sure you have what you need to decide.

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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.