Been Refused Life Insurance? Guaranteed acceptance - we don't say no

Previously declined for life insurance? Guaranteed over 50s plans accept everyone. No health questions, no rejections.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

Step 1 of 6 17%

How much cover would you like?*

£5,000

£10,000

£15,000

£20,000

Why We're Different

We accept everyone - no matter why you were refused before.

No Health Questions

We don't ask why you were declined. No medical exams, no GP reports - a fresh start.

Fixed Premiums

Your payments never increase. Lock in today's rate for the lifetime of your policy.

100% Acceptance

If you're aged 50-85, you're guaranteed to be accepted. We never say no.

100%

Acceptance

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

Common questions about getting life insurance after being refused.

Yes. Guaranteed acceptance life insurance for ages 50-85 cannot refuse anyone. If you have been declined by other insurers, this option guarantees you will be accepted.

Common reasons include serious health conditions, high BMI, dangerous occupation or hobbies, smoking history, or recent medical treatment. Different insurers have different criteria.

Being declined by one insurer does not mean all will decline you. Different insurers have different underwriting criteria. A broker will call to check your options across multiple insurers before recommending guaranteed acceptance.

Guaranteed acceptance policies have a 12-24 month waiting period. During this time, accidental death is covered. After the waiting period, all causes of death are fully covered.

Not necessarily. A broker will call to assess your circumstances and check whether any standard insurers may accept your application. Guaranteed acceptance is a reliable fallback if standard cover is not available.