Instant Quotes for Term Life, Whole Life, and Guaranteed Acceptance Policies
Want instant life insurance quotes—without needing to talk to an agent first? You’re in the right place.
Below, at the very bottome, you’ll find two free, on-demand quote tools that let you compare rates for the common policies purchased through our office. Does it include all the insurance companies we work with? No.
These tools are always available, up to date, and designed for real-world buyers—whether you’re 28 and healthy or 78 with a few health conditions.
What Kind of Life Insurance Can You Quote Instantly?
Our quote tools provide real-time rates from many of the top life insurance companies in the industry. You can instantly compare prices for:
Level Premium Term Life Insurance- No Exam Whole Life Insurance (For Seniors)
- Universal Life Insurance (including Guaranteed Universal Life)
- Guaranteed Acceptance Life Insurance (No Health Questions)
How to Use the Tools
➤ For Term Life or Universal Life (Including GUL)
Use the Term Life Quote Tool and follow these simple steps:
Select the number of years you want coverage for (10, 20, or 30 years, etc.).
If you’re looking for permanent coverage like Guaranteed Universal Life (GUL):
In the “Type of Insurance” drop-down menu, select “Lifetime.”
This will show permanent GUL policies with level premiums and lifetime coverage.
You’ll instantly see quotes from top-rated carriers and can adjust coverage amounts or term lengths to fit your needs.
➤ For Seniors Ages 50–85 – Whole Life and Guaranteed Issue
Use the No-Exam Whole Life Quote Tool if you’re:
Looking for simple, no-exam final expense policies
Between the ages of 50 and 85
Here’s what to do:
Most people qualify for “Excellent Health” in the Health Classification drop-down. This gives you the best rates with immediate full coverage.
If you’ve had significant health issues and can’t qualify medically, select “Poor Health.” This shows Guaranteed Issue life insurance rates, which require:
No health questions
A 2-year waiting period
Higher premiums (use this only as a last resort)
Important: About 85% of seniors do not need Guaranteed Issue and can qualify for lower-priced, immediate coverage. Always talk to an experienced independent agent before purchasing a guaranteed acceptance plan.
Need Help or Prefer a Human Touch?
We know technology is great—but nothing beats talking to a real expert when it comes to something this important.
If you’re unsure which tool to use or just want help running quotes, we’re happy to assist.
Call us at (269) 230-3420
Or Email Us: info@specialrisklifeins.com
We’ll run the quotes for you, explain your best options, and help you avoid common mistakes.
Start Comparing Now – It’s Fast, Free, and Always Available.
Protect your family. Lock in your rates. Sleep better at night.
