Guaranteed Acceptance Life Insurance Rates Compared: 6 Carriers, Real Published Prices (2026)
We pulled the published rate tables of six guaranteed acceptance carriers — from carrier-hosted PDFs and official rate cards — and normalized every one to the same $10,000 of coverage. The result: the same guaranteed policy costs 60% more or less depending on the carrier at age 70, and 84% at 80. Guaranteed acceptance means nobody is declined; it does not mean everybody pays the same.
Women: monthly premium for $10,000 of guaranteed coverage
Cheapest published rate at each age in gold. "—" = the carrier doesn't issue at that age (most stop at 80; Mutual of Omaha and Colonial Penn go to 85).
| Age | Mutual of Omaha | AARP/NYL | Gerber | Corebridge | Colonial Penn* | Great Western |
|---|---|---|---|---|---|---|
| 50 | $30.40 | $33.00 | $34.47 | $41.88 | $49.75 | $49.58 |
| 55 | $37.50 | $38.00 | $44.28 | $50.61 | $56.50 | $56.25 |
| 60 | $42.70 | $44.00 | $51.06 | $58.61 | $65.68 | $66.25 |
| 65 | $50.00 | $52.00 | $62.61 | $72.22 | $79.09 | $80.42 |
| 70 | $63.90 | $64.00 | $75.53 | $87.47 | $99.50 | $102.08 |
| 75 | $88.50 | $88.00 | $108.17 | $125.96 | $130.58 | $138.75 |
| 80 | $126.90 | $112.00 | $176.37 | $206.42 | $163.65 | $190.42 |
| 85 | $157.70 | — | — | — | $212.61 | — |
Men: monthly premium for $10,000 of guaranteed coverage
| Age | Mutual of Omaha | AARP/NYL | Gerber | Corebridge | Colonial Penn* | Great Western |
|---|---|---|---|---|---|---|
| 50 | $40.20 | $44.00 | $44.09 | $60.85 | $59.62 | $59.58 |
| 55 | $45.40 | $50.00 | $57.93 | $66.72 | $70.07 | $64.58 |
| 60 | $56.90 | $60.00 | $63.89 | $74.09 | $85.26 | $75.42 |
| 65 | $68.50 | $70.00 | $85.16 | $98.83 | $111.05 | $92.08 |
| 70 | $86.70 | $84.00 | $99.18 | $115.36 | $144.41 | $119.58 |
| 75 | $113.30 | $111.00 | $139.52 | $162.95 | $181.24 | $158.75 |
| 80 | $157.10 | $144.00 | $247.32 | $224.71 | $233.57 | $227.92 |
| 85 | $192.70 | — | — | — | $238.04 | — |
What the tables actually say
1. The TV brands are rarely the cheap ones. The products with the biggest ad budgets — Colonial Penn's $9.95 plan among them — sit at the top of most columns, not the bottom. At 70, a woman assembling ~$10,000 in Colonial Penn units pays about $99.50/month for coverage Mutual of Omaha publishes at $63.90. Advertising is in the premium.
2. The spread widens exactly when it matters. At 60 the gap between cheapest and priciest is real but survivable; by 80 it's 84% for women — on a fixed income, that's the difference between a sustainable premium and a lapse.
3. "$9.95" is a unit, not a price. Colonial Penn's number never changes — what changes is how little coverage a unit buys as you age: about $1,000 per unit for a woman at 70, $549 for a man at 75. Convert any unit product to dollars-per-$1,000 before comparing — that one habit protects you from the whole category of pricing fog.
4. Rates are drifting up. Corebridge's own official sheets show an average +8.8% between March and December 2024 across identical cells. Guaranteed issue pricing is not waiting for you to decide.
How to use this table
Start with the gold cells at your age — then remember the table is the market's published floor and ceiling, not a quote: your state and the carrier's current filing set the final number. If you can pass a short health questionnaire, none of these prices apply to you — simplified issue undercuts this whole table, usually with day-one coverage; check whether you actually need guaranteed issue first. And every product here carries a two-year graded death benefit — compare those terms too, not just premiums.
Sources & methodology: rates transcribed July 2026 from publicly published carrier documents — Mutual of Omaha rate chart hosted on the carrier's own CDN; Corebridge GIWL official rate sheets dated 03/04/2024 and 12/07/2024; Gerber Life official agent rate card (computed monthly ACH premiums match the carrier's 2026 quote tool to the cent); Great Western rate chart as circulated by licensed agencies (older vintage — treat as indicative); Colonial Penn coverage-per-unit chart and AARP/New York Life samples as republished by two independent licensed agencies in 2026 (neither carrier publishes a static table). *Colonial Penn is sold in $9.95 units — its column shows the cost of assembling ~$10,000 of coverage at the published per-unit coverage for that age. All products are guaranteed acceptance whole life with ~2-year graded death benefits. Rates change and vary by state; confirm with the carrier or a licensed agent at application. This page is an informational comparison, not a quote or an offer of insurance; we are not affiliated with, nor endorsed by, any carrier listed.
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