Guaranteed Life Insurance Plan
Lock in your lifetime rate before it goes up
Lock in your lifetime rate before it goes up
Lock in your lifetime rate before it goes up
Start here. It's easy!
Let us customize a Guaranteed Life Insurance quote just for you.
Guaranteed Life Insurance Benefits
Give your loved ones a little extra help during a difficult time. Choose from
$5,000 to $25,000 2 of coverage.
Helps to cover final expenses
Best Savings Guaranteed Life Insurance provides valuable whole life insurance protection to help cover final expenses, such as medical bills, burial costs and unpaid debt. It helps protect your family from the financial burden of your final expenses.
Your acceptance is guaranteed regardless of health ¹
If you’re 50+ years old, your life insurance acceptance is guaranteed regardless of your health history.1 There are no medical exams to complete or lengthy health questionnaires to fill out.
Your policy builds cash value
As a whole life insurance policy, after the initial policy years, a portion of each premium you pay is set aside as the cash value of your policy. Cash value builds over time and can be borrowed from if needed.* The longer you own the policy, the more cash value your policy accumulates.
* Policy loan interest rate is 8%. Loans may impact cash value and death benefit.
How to Apply for Best Savings Guaranteed Life Insurance
Get your free quote
Answer 4 easy questions to get your free quote immediately.
Apply online or by phone
Complete a few more simple questions about yourself and then choose your coverage amount – between $5,000 and $25,000 2 – and apply.
Make your first payment
Pay today using your checking/savings account or credit/debit card. You can save up to 8% on your monthly premiums by signing up for Easy Pay to have your payments automatically deducted from your checking or savings account each month. As soon as your application is approved and the first payment is successfully made, your coverage will begin.
Guaranteed Life Insurance Reviews
Life insurance doesn't have to be complicated. For those 50+ years old, Best Savings offers Guaranteed Life Insurance, a whole life insurance policy that doesn't require a medical exam. 1 It's easy to purchase and just as simple to use. Don't just take our word for it. Find out what others are saying in the reviews below.
1 To be eligible for coverage you must be a U.S. citizen between 50 and 80 years old (New York residents, maximum age of 75) residing in the US or permanent legal resident. Total limit of all combined Best Savings Guaranteed Life policies is $25,000. Best Savings Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured, except legal guardians of children.
Guaranteed Life Insurance Reviews
Already have Best Savings's Guaranteed Life Insurance Plan? We'd love to hear your feedback!
Guaranteed Life Insurance Reviews
Life insurance doesn't have to be complicated. For those 50+ years old, Best Savings offers Guaranteed Life Insurance, a whole life insurance policy that doesn't require a medical exam. 1 It's easy to purchase and just as simple to use. Don't just take our word for it. Find out what others are saying in the reviews below.
1 To be eligible for coverage you must be a U.S. citizen between 50 and 80 years old (New York residents, maximum age of 75) residing in the US or permanent legal resident. Total limit of all combined Best Savings Guaranteed Life policies is $25,000. Best Savings Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured, except legal guardians of children.
Guaranteed Life Insurance Reviews
With a out of star overall rating, Best Savings Guaranteed Life Insurance has helped families everywhere secure protection against costly final expenses. In fact, % of customers would recommend the policy to their family and friends.
Franky
Jersey City, New Jersey
Male, 45-54
Customer service
Ease of doing business
Value for money
"Is A Great Plan and Will Help My Family to Pay for My Burial."
Aug 30, 2023
Tamiam456
Dunbar, WV
Female, 55-64
Customer service
Ease of doing business
Value for money
"I have never had any issues. Easy to do business with"
Oct 28, 2022
TomDune
CT
Male, 55-64
Customer service
Ease of doing business
Value for money
"Worth the money. Professional agents and easy application"
Mar 18, 2024
Noniqueen25
OK
Male, Over 65
Customer service
Ease of doing business
Value for money
"The strength is in the real people helping me. I found the computerized part of the transaction frustrating. I increased my coverage and later I borrowed from my account. The individuals were kind, patient and very informative."
Nov 24, 2023
Guaranteed Life Insurance Frequently Asked Questions
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Guaranteed Life Insurance from Best Savings is a whole life insurance policy for adults ages 50 and above that does not require a medical exam or ask health questions – your acceptance is guaranteed regardless of health. 1 Plus our Guaranteed Life Insurance builds cash value over time that you can borrow from if you need help with unexpected expenses.* Or if you decide to cancel your policy for any reason, you would receive the available cash value. By comparison, term life insurance policies typically don’t build cash value.
*Policy loan interest rate is 8%. Loans may impact cash value and death benefit.
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Guaranteed acceptance insurance is life insurance that does not require a medical exam or health questions in order to be approved for coverage. Those who may not qualify for other types of life insurance due to a health concern could still get life insurance protection with a guaranteed acceptance policy. It’s a smart option for those wanting to stay one step ahead of costly final expenses. It gives your family one less thing to worry about during an especially trying time — when financial challenges should be the last thing on their minds. You can secure a small amount of coverage to cover the basics, or a larger amount to take care of greater expenses your family may face down the road.
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Best Savings Guaranteed Life Insurance offers coverage amounts ranging from $5,000 to $25,000. 2
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No, with Best Savings’s Guaranteed Life Insurance, the amount you pay when coverage begins is the same amount you’ll pay throughout the duration of your policy. The only time your premiums may change is if you decide to increase coverage or the frequency of your payments.
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When you buy a Guaranteed Life Insurance policy, you’re helping to protect your loved ones from the burden of costly final expenses. It’s a financial safety net that you’ll always have, as long as premiums are paid. And since your premiums will never go up, your payments will always be stable. That predictability can have great value as you budget for the years ahead. Remember that you can also borrow from the cash value of your policy (policy loan interest rate is 8% and loans may impact cash value and death benefit), giving you an extra financial tool for unplanned expenses.
When it comes to choosing life insurance to help cover final expenses, it’s important to look at the company behind the policy to make sure it’s going to stand by it. Best Savings Insurance has been protecting families like yours since 1967. We have an “A” (excellent) rating from the highly regarded independent reporting firm, A.M. Best.
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The Graded Death Benefit of a policy is a period of time when the death benefit paid is restricted If death occurs from natural causes (not accidental) during your policy’s first two years.
With the Best Savings’s Guaranteed Life policy, if death occurs in the first two years your beneficiary will receive 110% of earned premiums. After the two year period ends, the full benefit amount of your policy is paid.
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You may be shopping for yourself or perhaps you’re helping a loved one explore life insurance options. Credit card debt, medical bills and funeral costs can be very costly. Guaranteed Life Insurance from Best Savings can be a smart choice to help your family cover the cost of your final expenses. Best Savings’s Guaranteed Life Insurance policy is designed to be easy to understand, and easy to buy. You can apply online (or by phone) in minutes for coverage that can last a lifetime once approved. Your family shouldn’t have to take on the burden of credit card debt, medical bills or funeral costs. That’s why Best Savings is here to give you greater peace of mind about your family’s future.
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You may be familiar with life insurance policies that don't require a medical exam, and that's exactly how the Best Savings Guaranteed Life Insurance policy works. If you are 50+ years old, your acceptance is guaranteed regardless of health 1. Our application is easy and can be completed entirely online for your convenience. And if you have any questions along the way, our dedicated customer service representatives are happy to help: .
How can I work final expense life insurance into my financial plan?
We understand you’re juggling plenty of financial responsibilities as you plan for the future. Get a free quote today to see how a policy can fit into your budget. Your final expenses are important to consider while you think about your plans for the future. By getting a free, instant quote now, you can get an idea of how much your monthly premium will be for life. Your premiums will never increase, so you can budget for what’s ahead with that in mind. You can even set up automatic payments once you have your policy to keep things simple.
Learn more about Guaranteed Life Insurance
If you still have questions about our Guaranteed Life insurance, visit our Life Insurance 101 to learn more about:
• Do I need a medical exam?
• How much life insurance do I need?
• Why do I need life insurance?
• Cash value: a plus to whole life insurance
• Quick facts about Guaranteed Life Insurance
