Acceptance is guaranteed
If you're 50–85, you cannot be declined. Period.
Guaranteed acceptance · Ages 50–85
Life insurance you can’t be turned down for.
Guaranteed acceptance whole life for ages 50–85. No health questions, no medical exam, and your rate is locked for life. Senior Life Insurance Houston compares quotes from multiple A-rated carriers for you — free, no obligation.
Houston-based · Licensed in Texas · You’ll talk to a licensed agent, not a call center.
Licensed Texas Agency
TDI License #5595
Compares multiple A-rated carriers
One form, several real quotes
Houston-based since 1985
A local agency, not a call center
No health questions, no exam
Nobody asks about your health, your medications, or your history.
Your rate never increases
Whole life: the premium you start with is the premium you keep.
Free comparison service
Same price as buying direct — we're paid by the carrier, not you.
How it works
Three steps. The hardest one is a 2-minute form.
Fill out a 2-minute form
Just your ZIP, age range, gender, and the coverage amount you want. No health questions — really.
We compare carriers for your age
A licensed Texas agent shops multiple A-rated guaranteed acceptance carriers and finds the most coverage for your budget.
You get real quotes — and decide
Quotes by phone or email within one business day. Buy only if you like one. No pressure, no obligation.
The fine print, in plain English
Every policy like this has a 2-year waiting period. Here’s exactly how it works.
- If you pass away from natural causes in the first 2 years, your family gets every premium dollar back plus interest — typically 7–10%. Not the full coverage amount, but never nothing.
- Accidents are different: accidental death is typically covered for the full amount from day one.
- After 2 years, the full benefit is paid for any cause of death. Your rate never went up, and your coverage never expires.
Every guaranteed acceptance policy works this way — including the ones on TV. They put it in the footnotes. We just say it out loud.
Why it matters
A goodbye shouldn’t come with a bill.
The median American funeral with burial is projected to cost about $10,500 in 2026. Even a simple cremation with a viewing runs around $6,300. This coverage exists for one reason: so your family grieves without reaching for their credit cards.
Sample figures — national medians based on NFDA data; your costs vary.
$10,500
projected median funeral with burial, 2026
$10–25k
what most families choose in coverage
The agency behind the quotes
A real Houston agency, since 1985.
Senior Life Insurance Houston is the senior life desk of Moon Insurance Managers, Inc. — an independent Houston agency that has served Texans for four decades. When you submit the form, a licensed Texas agent works your quote personally and calls you back — the same person from first quote to delivered policy, never a routing queue.
- Texas License
- #5595
- Agency founded
- 1985
- Based in
- Houston, TX
- Office line
- (281) 484-8320
Free quotes
See what your price looks like.
Rates depend only on age, gender, state, and coverage amount — so this short form is everything we need to shop the market for you.
- No health questions
- No cost, no obligation
- Your information stays with our agency
Rather talk it through? Call (281) 484-8320 — Mon–Thu 9am–5pm · Fri 9am–4pm.
Get your free quotes
Takes about 2 minutes. No health questions — really.
Step 1 of 2 — What to quote
Common questions
Asked by almost everyone who calls.
Can I really not be turned down?
Yes — that is the whole point of guaranteed acceptance life insurance. If you are between 50 and 85, you cannot be declined. There are no health questions, no medical exam, and no records check. Your health, your medications, and your history simply are not asked about.
What is the 2-year waiting period, exactly?
Every guaranteed acceptance policy — including the ones advertised on TV — starts with a waiting period, usually the first 2 years (3 at a few carriers). If the insured person passes away from natural causes during that window, the insurance company refunds all premiums paid, typically plus 7–10% interest, instead of paying the full coverage amount. After the waiting period, the full amount is paid for any cause of death.
Is the $9.95-a-month plan on TV a good deal?
Be careful with it. That famous TV plan sells coverage in "units" — $9.95 buys one unit, but how much insurance a unit buys shrinks as you get older. At 57, one unit is roughly $1,300 of coverage; by 77 it is under $500. Most people need many units, and the math is hard to compare. We quote in plain dollars — you tell us the coverage amount, we tell you the monthly price from several carriers, and you see exactly what you are buying.
What does Senior Life Insurance Houston charge?
Nothing. Our comparison service is free, and you pay exactly the same premium as if you walked up to the insurance company directly. Agents are paid by the carrier, not by you — so comparing through us costs you nothing and usually saves you money.