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If you’ve searched for affordable life insurance with no medical exam, chances are you’ve come across Colonial Penn Life Insurance. The company is well-known for offering guaranteed acceptance life insurance, especially for seniors, and you’ve probably seen their TV ads featuring Alex Trebek (RIP legend).
But here’s the real question for Kansas residents:
Is Colonial Penn actually a good option for you?
Or are there better—and potentially cheaper—choices available?
Let’s break it down from a Kansas perspective so you can make a smarter decision.
What Is Colonial Penn Life Insurance?
Colonial Penn is a national insurance company that offers:
- Guaranteed Acceptance Life Insurance (no medical exam, up to age 85)
- Term Life Insurance
- Whole Life Insurance
- Final expense and simplified issue plans
Their most advertised plan is the $9.95 guaranteed acceptance policy—but what’s often not mentioned is that the $9.95 only buys you one “unit” of coverage, which may be as little as $400 to $1,500 in actual life insurance, depending on your age and gender.
Pros of Colonial Penn for Kansas Residents
✅ No medical exams – great for seniors or people with health issues
✅ Quick approval process – usually within days
✅ Available statewide – you can apply from anywhere in Kansas
✅ Guaranteed acceptance (ages 50–85) – zero underwriting
Cons to Consider Before Buying
❌ Low coverage amounts – usually capped around $25,000 or less
❌ 2-year waiting period – if you die within the first two years (non-accident), your family may not receive the full benefit
❌ Expensive per dollar of coverage – unit-based pricing can cost more than a traditional term or whole policy
❌ Confusing policy structure – many shoppers don’t realize what they’re actually getting for $9.95/month
Who Is Colonial Penn Best For?
Colonial Penn might be a fit if:
- You’re between 50 and 85 and have health issues that disqualify you from traditional life insurance
- You want a small final expense policy for funeral costs
- You don’t want to take a medical exam
- You’ve been denied coverage elsewhere
But if you’re healthy, younger, or need more than $10,000–$15,000 in coverage, you’ll likely find better, cheaper life insurance options—especially in Kansas, where competitive pricing is available through regional carriers.
What Are Better Alternatives in Kansas?
Here’s the good news:
You don’t have to rely on national TV-ad companies to get covered.
At KansasInsurance.org, we help you compare life insurance quotes from trusted, top-rated carriers across the state. That includes:
- Affordable term life insurance with higher coverage ($100,000+)
- Whole life policies with no waiting periods
- Final expense coverage with flat-rate pricing (not per “unit”)
- Local Kansas-based providers who understand the market
- Custom quotes for Overland Park, Wichita, Topeka, and more
You can also bundle life and health insurance or combine coverage with auto and home for savings.
What to Watch Out for With Life Insurance Ads
Before you sign up for any life insurance policy online or by phone, ask:
- How much actual coverage am I getting for the price?
- Is there a waiting period before full benefits are paid?
- Are there age-based increases in cost?
- Can I qualify for more coverage at the same or lower price?
Many Kansans qualify for much more affordable term or whole life insurance than they think—especially if you’re under 65 or in average health.
Should You Buy Colonial Penn Life Insurance in Kansas?
Maybe—but not without comparing other options first.
If you only need a small final expense policy and want to skip the health questions, Colonial Penn might be worth a look. But for most Kansans, there are more flexible, higher-value policies available from carriers who aren’t spending millions on national ads.
We’ll help you compare life insurance options side-by-side, whether you live in:
Get a Personalized Life Insurance Quote in Kansas
No spam.
No “units.”
Just real answers from real Kansans who want to help you make smart insurance decisions.
Whether you’re shopping for term, whole life, or final expense coverage, we’ll help you compare life insurance in Kansas that actually fits your needs—and your budget.