Guaranteed Acceptance Life Insurance

Up to $15,000 in lifetime protection. Apply by mail
or online now. You can’t be turned down.*

  • Choose from $2,500 to $15,000
  • Easy application with no medical exam or health questions
  • Affordable rates guaranteed never to increase
Product and online application not available in all states.

Start here with a
FREE instant quote.

Plus, get a free information kit by mail.
Tobacco/Nicotine Use

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An error has occurred, and we are unable to provide you with an online quote at this time.

To get a quote by phone, please call New York Life at 1-800-361-1741.

Monday - Friday 8 a.m. to 8 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

Apply Here

Choose your state
to get started

I live in Get Info by Mail

Provide extra security for your family to help cover bills you may leave behind.

Features and Benefits

  • Up to $15,000 in life insurance coverage
  • Can't be turned down...acceptance is guaranteed*
  • Guaranteed rates that never increase
  • Valuable protection for your entire life
  • Limited benefit for the first 2 years

You Can't Be Turned Down for Coverage

There's no physical examination, medical tests or health questions required. Your acceptance
is guaranteed.*

Find Your Guaranteed Monthly Rate Here

  • Men
  • Women
  • Non-Smoker
  • Smoker*
  • Men
  • Women

Premiums above are based on your age at issue. In NY, available to customers ages 50-75.

New York Life does not anticipate paying dividends for this product. Products that include dividends are also available.

Request Your Free Information Kit

Get free information including a personalized rate quote and simple application form by mail now.

Get Info by Mail

Common Questions

Will my rates increase due to age or health?
No, your rates are guaranteed never to increase. Due to guaranteed acceptance without medical underwriting, the premium includes an extra mortality risk charge. Medically underwritten products are also available.
How long can I keep this life insurance?
After the first two years, your coverage will continue in full for the rest of your life, as long as you pay your premiums on time. Your premium payments will end at age 95. Your insurance can never be cancelled without your consent—regardless of your health. Also, since it's your own individual policy, you will remain covered if you change jobs or retire.
How does the limited benefit period work?
Because acceptance is guaranteed, there is a two-year limited benefit period. Full benefits will be paid for accidental death from day one. However, in the first two years, death from natural causes will pay a limited benefit of 110% of premiums paid.**
Are there any other exclusions or limitations?
Benefits will not be paid for death from suicide in the first two years.***
Will I be required to have a medical exam?
No physical exam, lab work, medical tests, or health questions are required. You’re acceptance is guaranteed.*
Why do you need my Social Security Number?
New York Life requires your social security number to verify the individual we are insuring. This assists us in protecting the privacy of your information. Life insurance companies are also required to obtain a taxpayer identification number (which is your social security number) in the event that we release money to you that could be considered taxable.
What happens after I complete my application?
You will be contacted in about 7 to 14 business days regarding your application. If approved, a policy will be mailed to you.
How does the 30-Day satisfaction guarantee work?
You'll receive a policy when coverage is approved. If you decide this coverage isn't for you, for any reason, you can return it within 30 days and receive a refund.
Why should I choose New York Life Insurance Company?

As one of the oldest and largest mutual life insurance companies in the United States, New York Life has been protecting generations of families for more than 170 years. New York Life has the highest possible ratings for financial strength currently awarded to any life insurer from the leading independent rating services: A.M. Best (A++) Highest Rating, Fitch (AAA) Highest Rating, Standard & Poor’s (AA+) Second-Highest Rating, Moody’s Investors Service (Aaa) Highest Rating. Ratings as of 1/01/18.

What is a mutual insurance company?
It’s a company that is not publicly traded and therefore has no shareholders. Instead, policyholders share in ownership of the company. All New York Life policyholders have the right to expect that our highest priority is to safeguard their interests.
Can I apply for more than $15,000 in coverage?
Yes. New York Life offers a range of coverage amounts and solutions to fit your individual life insurance needs. To discuss your needs, call 1-800-361-1741 Monday – Friday 8 a.m. to 5 p.m., or Saturday 9 a.m. to 5 p.m. Eastern Time. Or simply click here to request a free consultation.
New York Life offers a range of coverage amounts and solutions including:
  • Coverage over $50,000
  • Retirement planning
  • Mortgage protection
  • Long term care insurance
Call 1-800-361-1741

Monday - Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

or click here for more information.

Backed by the Strength of New York Life Insurance Company

New York Life Insurance Company has the highest possible ratings for financial strength currently awarded to any

life insurer from the leading independent rating services.



from A.M. Best


"Exceptionally Strong"

from Fitch


"Very Strong"

from Standard & Poor's



from Moody's

Ratings as of  01/01/18

A.M. Best, Fitch and Moody's Investors Service Highest Rating. Standard and Poor's Second-Highest Rating.

* If you’re already insured with the program, the full coverage amount may not be available.
** Arkansas Residents: If death occurs within the first year, the amount payable is 15% of the amount in force. If death occurs within the second year, the amount payable is 30% of the amount in force.
*** North Dakota Residents: The suicide exclusion applies only for one year.

Privacy Notification:

Your privacy is important to New York Life. We maintain physical, electronic and procedural safeguards that meet state and federal laws. Information we collect, such as name and address, about individuals who request additional product information will be shared as allowed by law for normal business administration and related business services within the New York Life Family of Companies and with non-affiliates, such as New York Life Agents and other service providers. You have the option to tell us not to share your information as follows:
• Within the New York Life Family of Companies to let you know about our other products and services.
• With non-affiliates with which we have joint agreements, such as banks, credit card issuers and online services, to offer you their products and services.
We will follow your state’s privacy law if that law differs from the policy described in this notice. To request a copy of our complete privacy notice or to request your information not be shared, call 1-800-361-1741. The choice you make will apply to all the products you purchased from us.
You have the right to access certain information we maintain in our files about you. You may request correction, amendment, or deletion of it. To receive a full description of these rights, write to us at: P.O. Box 31683; Tampa, FL 33631.

If relevant statements of age or facts are not accurate, New York Life will make a fair adjustment of premiums and/or insurance. Residents of FL: Philip Cavan is a licensed Florida agent for service to Florida residents.