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Guaranteed Acceptance+

  • CheckmarkVeterans, Retirees, their Spouses & Children, age 35-64
  • CheckmarkSurviving Military Spouses, age 35-64
  • CheckmarkThose who may not meet, or who do not want to endure, medical underwriting requirements and who do not have existing permanent life insurance coverage


About This Plan

What is included?

  • Guaranteed-acceptance life insurance, regardless of your health conditions or history.
  • A fast, easy application process — eligible applicants who apply today get approved today. It’s that simple.
  • Affordable premiums that will never increase. Your price is locked in at issuance and will never change.
  • All the benefits of AAFMAA Membership, including Survivor Assistance Services and a secure Digital Vault to store your vital documents at no cost to you.
  • A coverage amount that will never decrease.

Who is it for?

  • Veterans, Retirees, Military Spouses, and their Children
  • Military Spouses
  • Children of Active Members
  • Surviving Military Spouses
  • Those who might not meet medical requirements of other policies

Guaranteed Acceptance, No-Exam Life Insurance

Guaranteed Acceptance+ is a great option for Veterans and their spouses seeking a no-exam life insurance policy with guaranteed coverage from $5,000 to $25,000.

With AAFMAA Guaranteed Acceptance+, you receive much more than just life insurance coverage. You get access to all the benefits that come with AAFMAA Membership, including our exclusive Survivor Assistance Services. When the time comes, your loved ones will have the care and support of our expert staff who will ensure they receive all the benefits you earned through your service — for the rest of their lives.

You also get 24/7 access to your own online Digital Vault in the AAFMAA Member Center where you can easily and securely store and retrieve your essential documents anytime, anywhere — at no cost to you.

It’s affordable, easy, and fast to apply for AAFMAA’s Guaranteed Acceptance+ plan, with no medical questions to answer or exam required. Lock in your premiums at issuance and they will never change over the life of the policy for any reason. It’s one of the best values in guaranteed-acceptance life insurance available anywhere.

Affordable Premiums, Locked in at Issuance

AAFMAA offers a variety of options to suit your family’s needs and budget.

Current Monthly Rates:

  Premium at Issue Age ($)
Coverage 35-39 40-44 45-49 50-54 55-59 60-64
$5,000 14.66 16.84 19.37 21.75 24.42 28.65
$10,000 29.31 33.68 38.74 43.49 48.84 57.29
$15,000 43.96 50.52 58.10 65.23 73.25 85.94
$20,000 58.61 67.36 77.47 86.97 97.67 114.58
$25,000 73.26 84.19 96.84 108.72 122.08 143.22
Premium at Issue Age ($)
Coverage 35-39 40-44 45-49 50-54 55-59 60-64
$5,000 10.35 11.55 12.74 14.42 16.75 20.48
$10,000 20.70 23.09 25.48 28.82 33.50 40.94
$15,000 31.04 34.64 38.22 43.23 50.25 61.41
$20,000 41.39 46.18 50.96 57.64 66.99 81.88
$25,000 51.73 57.73 63.69 72.05 83.74 102.35

Apply for Guaranteed Acceptance+ and get approval today with coverage for life. When you're ready, you can complete your application online or call an expert AAFMAA Membership Coordinator at 888-496-6764.

Apply Now

You are conditionally approved immediately upon submitting your completed application with initial premium. Following ID and AAFMAA eligibility verification, we will issue your policy, usually within one business day.

  • Are you a Veteran, Veteran spouse, child of an AAFMAA Member, or surviving Veteran spouse (widow/widower) between the ages of 35 and 64?
  • Are you looking for an affordable permanent life insurance solution guaranteed to protect your survivors when you die?
  • Are you finding it difficult to qualify for life insurance coverage or undesirable to undergo medical underwriting?

If you answered ‘yes’ to these questions, AAFMAA's Guaranteed Acceptance+ could be right for you. Find out today by calling our expert team of Membership Coordinators to discuss your needs and specific situation further at 877-398-2263.

Yes. As long as you qualify for AAFMAA Membership and you’re between the ages of 35 and 64, you’re guaranteed coverage with no medical exam or health questions asked. To qualify for AAFMAA Membership, you or your spouse must have served in the U.S. military and you must live in a state where AAFMAA conducts business.* Additionally, you get lifetime access to the benefits of AAFMAA Membership, including Survivor Assistance Services, and your own online Digital Vault at no additional cost to you.

*In the following states/territories, AAFMAA is only able to issue policies to current servicemembers, military retirees, and their spouses: DC, MS, UT, and WI.

Exclusions and Limitations: Important: Death benefits are limited to 110% of total premiums paid in the first two policy years except for qualifying accidental deaths, in which case the death benefit is equal to the face amount.  

This policy is not sponsored, recommended, offered, or guaranteed by, or associated with, the U.S. (or any) government, the U.S. Department of Veterans of Affairs, or other governmental agency or department.