JB
Insurance
Brokers
(888) 778-6614
JB
Insurance
Brokers
(888) 778-6614
Speak to a
Licensed Agent
(888) 778-6614
Anyone ages 50-75 can get approved!
Below are the rates for guaranteed acceptance whole life. So regardless of your health
conditions, we can get these rates approved no matter what up to 25,000!
Note: You might be approved for better rates then below. If approved you can choose to increase coverage to the same month price you first applied for, or take a lower monthly premium for the same coverage. To see those rates Click Here.
Most Popular Option: $10,000
$10,000 is the most popular choice for those seeking affordable premiums with reliable protection. This amount provides a solid foundation of coverage at a price most clients can easily manage, giving peace of mind without stretching the budget.
Guaranteed Acceptance Whole Life amounts by age (approved no matter what)
Male Rates:
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 50 | $22 | $44 | $65 | $72 | $108 |
| 55 | $29 | $57 | $86 | $114 | $143 |
| 60 | $32 | $63 | $95 | $126 | $158 |
| 65 | $43 | $85 | $127 | $169 | $211 |
| 70 | $50 | $99 | $148 | $197 | $246 |
| 75 | $70 | $139 | $208 | $279 | $347 |
| 80 | $104 | $206 | $308 | $415 | $519 |
Female Rates:
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 50 | $17 | $34 | $51 | $68 | $84 |
| 55 | $22 | $44 | $65 | $87 | $109 |
| 60 | $25 | $51 | $76 | $101 | $126 |
| 65 | $31 | $62 | $93 | $124 | $155 |
| 70 | $38 | $75 | $112 | $150 | $187 |
| 75 | $54 | $108 | $161 | $215 | $269 |
| 80 | $88 | $176 | $264 | $351 | $439 |
Adults age 50-80, your approval is guaranteed.
Rates never to increase. Coverage start from
5,000 to 25,000
Adults age 50-80, your approval is guaranteed.
Rates never to increase. Coverage start from
5,000 to 25,000
Online or over the phone, approval for our whole life is guaranteed. Takes 5 minutes to complete your application online.
Instantly see quotes for Guaranteed Acceptance Whole Life, and select how much coverage fits your budget.
With the right insurance in place, you can focus on enjoying life's moments, knowing that your whole life coverage is comprehensive and reliable. Let us handle the details while you live worry-free.
Over 10 years of experience ensuring clients make informed decisions tailored to their unique needs.
Prioritizing your interests over sales, ensuring that you receive the best possible advice and coverage
Ability to adjust your coverage as your life circumstances change, ensuring continuous protection.
No Health Questions—Guaranteed Approval
Below are the rates for guaranteed acceptance. So regardless of your health
conditions, we can get these rates approved no matter what!
Note: There are plans that don’t have a 2 year waiting period and have better rates than what is listed below if you can medically qualify.
Most Popular Option: $10,000
$10,000 in coverage option is the most popular choice for those seeking affordable premiums with reliable protection. This amount provides a solid foundation of coverage at a price most
clients can easily manage, giving peace of mind without stretching the budget.
Guaranteed Acceptance Coverage amounts by age (approved no matter what)
For Men
For Women
Chose the right whole life coverage that fits your budget.
Confirm basic info and your beneficiary. Confirm payment info, credit card and direct express Mastercard available.
If you apply online directly, a licensed agent will confirm your coverage and policy info.
Below are the rates for guaranteed acceptance. So regardless of your health
conditions, we can get these rates approved no matter what up to 25,000!
Note: There are plans that don’t have a 2 year waiting period and have better rates than what is listed below if you can medically qualify.
Most Popular Option: $10,000
$10,000 in coverage option is the most popular choice for those seeking affordable premiums with reliable protection. This amount provides a solid foundation of coverage at a price most
clients can easily manage, giving peace of mind without stretching the budget.
Guaranteed Acceptance Coverage amounts by age (approved no matter what)
For Men
| Age | $5,000 | $10,000 | $15,000 |
| 50 | $22 | $44 | $65 |
| 55 | $29 | $57 | $86 |
| 60 | $32 | $63 | $95 |
| 65 | $43 | $85 | $127 |
| 70 | $50 | $99 | $148 |
| 75 | $70 | $139 | $208 |
| 80 | $104 | $206 | $308 |
For Women
| Age | $5,000 | $10,000 | $15,000 |
| 50 | $17 | $34 | $51 |
| 55 | $22 | $44 | $65 |
| 60 | $25 | $51 | $76 |
| 65 | $31 | $62 | $93 |
| 70 | $38 | $75 | $112 |
| 75 | $54 | $108 | $161 |
| 80 | $88 | $176 | $264 |
By shopping over 35+ life insurance carriers at one time, our priority is to find you the best plan available. In many cases, we can secure day-one coverage or a graded benefit plan before recommending Guaranteed Acceptance Whole Life.
For Guaranteed Acceptance Whole Life policies, during the first two policy years, if death occurs from natural causes, your beneficiaries will receive a refund of all premiums paid, plus an additional 10%. After the two-year period, the full death benefit will be paid for any cause of death.
Please note, if there are any outstanding policy loans, the death benefit will be reduced by the loan balance.
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<li><a href=”https://jbinsurancebrokers.com/apply-now/”>Apply Online</a></li><li><a href=”https://jbinsurancebrokers.com/book-now/”>Book Now</a></li>
<li><a href=”https://jbinsurancebrokers.com/final-expense-whole-life/”>Final Expense Whole Life</a></li>
<li><a href=”https://jbinsurancebrokers.com/guaranteed-acceptance-whole-life/”>Guaranteed Acceptance Whole Life</a></li>
<li><a href=”https://jbinsurancebrokers.com/giwl-whole-life/”>Guaranteed Issue Whole Life</a></li>
“Stress-Free Process”
“JB has been a real joy to do business with. He has made getting some new insurance on my husnabd a joy He has went above and beyond to make this as easy as possible. Thank you so much.”
“Lifetime Security for Us Both”
“I never thought I’d qualify for life insurance because of my health issues. But with a Guaranteed Issue Whole Life policy, I was approved instantly—no medical exams, no hassle.”
“Effortless and Lasting Support”
“I knew I needed Life Insurance.. I wanted to make sure my family was protected, but I didn’t know where to start. JB made the whole process so easy. Explained everything in a way I could understand . They represent so many different companies, and gave a biased opinion on what is best for me.”
Life insurance is an affordable way to ensure your family’s financial security if you are no longer there to care for them. It can assist with expenses such as mortgage payments, college tuition, final expenses, and more. There is whole life insurance, term life insurance, universal life (IUL, GUL, IULE), single premium whole life, and juvenile policies. We provide life insurance quotes to help you find the best life insurance for your needs. Whether you’re looking for life insurance for seniors, life insurance for kids, or life insurance for parents or young adults, we have options tailored for you. Speak to a licensed life insurance agent to go over your exact needs and find life insurance near you
Medicare is a federal health insurance program designed to provide coverage for individuals aged 65 and older, as well as certain younger individuals with disabilities. Medicare insurance for seniors offers a range of benefits to ensure you receive the healthcare you need, when you need it. Learn about the best Medicare insurance options and compare Medicare insurance providers to find the right fit for you. Understand what are 4 types of Medicare plans, including Medicare Part D, to help manage your insurance cost effectively
You want to out live your money. Annuities are a powerful financial tool designed to provide you with a steady stream of guaranteed income during retirement. They offer a range of benefits, including tax-deferred growth and the security of knowing you won’t outlive your savings.
Individual Health insurance mainly done through the ACA has many different ways that you can cover yourself and your family. We simplify the process of making your coverage options understandable so you know you limits. We can taylor your plan with gap plans that help pay the deductibles, and taylor a solution that meets each individual and families needs. From accident plans, hospital indemnity, short term medical, and the main ACA plans, we have your needs covered.
Long-Term Care Insurance is designed to cover the costs of extended care services, ensuring you receive the support you need as you age or if you develop a chronic illness or disability. It provides peace of mind by protecting your assets and ensuring you have access to quality care.
Critical Illness Insurance provides essential financial support when you are diagnosed with a serious health condition. It helps cover the high costs associated with severe illnesses, ensuring you can focus on recovery without the added stress of financial burdens.
As insurance brokers with over 10 years of experience, we understand the importance of finding the right medicare and life insurance coverage to meet your unique needs. One of the significant advantages of working with independent insurance brokers like us is the ability to shop multiple plans at once. This means we can compare over 70 insurance providers and various insurance options from numerous providers to ensure you get the best coverage at the most competitive rates. By evaluating different plans side by side, we help you make informed decisions without the hassle of researching and contacting each insurance company individually. Trust in our experience and dedication to guide you through the complex world of insurance. Schedule a consultation today and let us help you find the perfect coverage by shopping multiple plans at once
At JB Insurance Brokers, we believe in building relationships with our clients. We are committed to providing personalized service and expert advice. We take the time to understand your unique situation and tailor our services to meet your individual needs. Medicare can be a complex world, and educating our client’s retirement planning is essential to ensuring that the plans we recommend offer the best value and protection for you and your family. Life Insurance complements your retirement with tax advantages, and helps you outlive your money. Our experienced licensed agents are always available to answer any questions you may have and provide you with the support you deserve.
We understand that there can be a lack of trust in financial markets or advisors, often due to past experiences or general skepticism about investing. A financial planner’s job is to take your current assets and create a strategy to meet your future financial goals, which often involves varying levels of risk in the market. However, the market’s unpredictability can lead to unexpected losses, and with “loss aversion,” a 50% loss in your account would require a 100% gain just to break even—meaning losses and gains are not equal.
As an insurance agent, my job is to provide guarantees that protect your nest egg while still offering the potential for growth. Many annuities, for example, come with a 0% floor, ensuring that you never lose money due to market downturns. Whether you’re interested in Bonus Annuities, designed to maximize gains without risking losses, or Income Annuities, which guarantee a specific payout for life, these products take the risk off the table. This allows you to rest easy, knowing you’re protected from the ups and downs of the market.
It’s common to think that retirement is something to worry about later, especially when you’re young and focused on other financial goals. However, the earlier you start planning, the more time you have to grow your savings and take advantage of compounding interest. Starting now, even with small contributions, allows you to build a strong financial foundation and gives you more flexibility and options as you get closer to retirement.
Think of it like planting a tree—the best time to plant it was years ago, but the second-best time is today. By beginning your retirement planning now, you’re giving yourself the gift of time, which can make all the difference in reaching your financial goals with less stress down the road. Plus, with the right strategy in place, you can ensure you’re on track, no matter what life throws your way.
It's understandable to feel uncertain about how to afford an annuity when you already have a 401(k), IRA, or savings account. The good news is that you don’t need to come up with new funds to purchase an annuity. In fact, many people use their existing retirement accounts or savings to fund an annuity, ensuring a steady income stream in retirement.
In short, purchasing an annuity is often about strategically using the assets you already have to create a more predictable and secure income stream for your retirement.
We understand that the life insurance process can seem complicated, but with access to about 35 different life insurance carriers, we offer a range of options to fit your needs. From simplified issue products with instant decisions to fully underwritten policies that often provide better rates, we’ve got you covered. In fact, many fully underwritten carriers now offer instant decisions if you're honest about your health conditions. This means we can secure policies ranging from smaller amounts to over $1 million in coverage, often with an instant or 5-minute approval process.
According to Genworth’s 2023 study on long-term care costs, the average cost for a private room in a nursing home is approximately $108,000 per year, while a semi-private room costs about $94,000 annually. Over a lifetime, the average person can expect to pay around $190,000 for long-term care, which typically covers about two years of care. For home health care, the average annual cost of a home health aide is approximately $61,000.
Having helped many clients navigate this challenging area, and having personally dealt with it for my grandparents on both sides of my family, I can tell you there’s no easy way to handle these expenses once it’s too late. I’ve seen many people forced to liquidate assets to cover costs that could have been easily managed with an insurance policy. Most wealthy clients understand the value of leveraging insurance for long-term care, but we make it a priority to teach everyday clients how to afford this coverage as well, ensuring they are just as protected as the high-net-worth individuals.
If you want to stay at home rather than go into a nursing home, there are several insurance options that can help. Many long-term care insurance policies include benefits for in-home care, covering services like home health aides or homemaker assistance. Additionally, some policies allow you to have a family member certified and compensated as your caregiver. Short-term care insurance is another option that provides temporary coverage for in-home care, which can be ideal if you need help following an illness or surgery.
You can also consider life insurance policies with long-term care riders, which let you access your death benefit to pay for care at home. Finally, some nursing home plans include provisions for in-home care, ensuring you get the support you need while staying in the comfort of your own home. These options give you flexibility and peace of mind, allowing you to maintain your independence while receiving the necessary care.
This is a common concern when considering your plan options. However, if you're struggling with your current plan, you may be able to make adjustments to your base plan and add a gap plan or indemnity plan to fill the holes in your major coverage. Whether you're on Medicare or individual health insurance, there are options to lower the coverage on your main plan and add a gap or indemnity plan. This approach can help limit your out-of-pocket exposure and often save on annual premiums while still providing comprehensive coverage.
Even if you don’t visit the dentist frequently, dental insurance can still be a valuable investment. Regular dental check-ups and cleanings are essential for preventing more serious and costly issues down the line, like cavities, gum disease, or tooth loss. With dental insurance, these preventive visits are typically covered, helping you maintain your oral health and avoid expensive procedures in the future. Plus, if an unexpected issue does arise, having insurance can save you from significant out-of-pocket expenses.
Some plans do require waiting periods for major services, but there are newer plans available that don’t! If you currently have creditable coverage, some plans may waive the waiting period entirely. If you don’t have coverage right now, certain plans will still offer 20-25% coverage for major benefits right away. Additionally, by using a provider within your plan’s network, you can often save 50% or more on major services, even without tapping into your plan’s benefits for those services. This means you can start saving immediately just by being in-network, without having to worry about waiting periods.
This is a common concern when considering your plan options. However, if you're struggling with your current plan, you may be able to make adjustments to your base plan and add a gap plan or indemnity plan to fill the holes in your major coverage. Whether you're on Medicare or individual health insurance, there are options to lower the coverage on your main plan and add a gap or indemnity plan. This approach can help limit your out-of-pocket exposure and often save on annual premiums while still providing comprehensive coverage.
Many people believe that life insurance premiums are unaffordable, especially if they are on a tight or fixed budget. This misconception can prevent them from exploring affordable options that fit their financial situation. We have affordable options for all ages with both permanent and term. By shopping various companies at once we can find the lowest option for you.
Younger individuals often feel invincible and may not see the immediate need for life insurance. However, coverage is based on your age and current health condition, so locking in a policy now can cost you significantly less—pennies on the dollar compared to what it might cost in the future. When—not if, but when—you develop a health condition, you may no longer qualify for the coverage you could secure today.
Many employers offer life insurance as an added benefit, typically up to $50,000 or your current salary amount. While this is a nice perk, it's often a one-year term policy that renews annually, and you can't take it with you if you leave your job. Additionally, as you age or if you develop a health condition, obtaining new coverage can become much more expensive. If you can afford it, locking in a personal policy now will save you in the long run, providing higher and more stable coverage that lasts beyond your current employment.
It’s understandable to be concerned about the cost, but skipping health insurance or Medicare could end up costing you more in the long run. There are a variety of plans available, many with subsidies or financial assistance to help make premiums more affordable. Or we can add a gap plan or indemnity plan that helps you fill the holes in your major plan. By working with an experienced agent, we can find a plan that fits your budget while still providing the coverage you need. Investing in your health now can protect you from significant medical bills later
While it’s great that you’re healthy now, life can be unpredictable. Health insurance and Medicare are about more than just routine care—they protect you from the high costs of unexpected illnesses or accidents. Without coverage, even a minor health issue could lead to significant financial strain. By enrolling now, you ensure that you’re covered for any situation, giving you peace of mind no matter what happens.
The process can seem overwhelming, but you don’t have to navigate it alone. As experienced insurance agents, we’re here to guide you every step of the way. We’ll simplify the options, explain the benefits, and handle the paperwork for you. Our goal is to make the enrollment process as straightforward and stress-free as possible, so you can get the coverage you need without the hassle.
Having existing coverage is a good start, but it’s important to review whether that coverage fully meets your needs. Spouse’s plans or other sources may have limitations, such as higher out-of-pocket costs or restricted networks. We can help you compare your current coverage with available individual health insurance or Medicare options to ensure you’re getting the best possible protection. In many cases, supplemental coverage can provide the additional security you need.
Your relationship with your doctors is important, and so is the quality of care you receive. When choosing a new plan, we prioritize ensuring that your preferred doctors are included in the network and that the plan meets your standards for care. We’ll work with you to find a plan that maintains your access to trusted providers while offering the comprehensive coverage you need.
Choosing between Medicare Advantage and Medicare Supplement can feel overwhelming, but it ultimately comes down to your personal health needs, lifestyle, and financial situation. Medicare Advantage plans often have lower premiums and include additional benefits like dental, vision, and prescription drug coverage, but they may have network restrictions and higher out-of-pocket costs.
On the other hand, Medicare Supplement plans typically offer more comprehensive coverage with fewer out-of-pocket expenses, allowing you to see any doctor who accepts Medicare. However, they usually come with higher premiums and don’t include extra benefits like prescription drug coverage.
As your insurance agent, I’m here to help you weigh the pros and cons of each option based on your unique circumstances. Together, we can assess your healthcare needs, budget, and preferences to find the plan that offers you the best balance of coverage and cost. My goal is to ensure you feel confident and secure in your choice, knowing that it’s tailored to your specific situation.
Medicare | Health Insurance | ACA & Individual Medical | Life Insurance | Whole Life | Term | Burial Insurance | Universal Life | IUL | Dental | Long Term Care | Critical Illness | Annuities | Retirement Planning
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We here at JB specialize in selling final expense life insurance in all 50 states.
Final Expense | Whole Life | Burial Insurance | End-of-Life Insurance
Representing over 70+ carriers, JB is a trusted provider of insurance solutions for individuals and families. We have been helping give clients peace of mind with over a decade of experience, and a strong commitment to our clients. We strive to offer comprehensive coverage that meets your specific needs, not what’s the highest commision.
Discover the perfect life insurance plan
for you and your family’s insurance.
