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$9.95 Colonial Penn Whole Insurance Review 2024

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Colonial Penn offers final expense whole life insurance coverage to help cover funeral costs and other small end-of-life expenses.

The $9.95 life insurance plan is marketed on television as the #1 most popular whole life insurance plan and is available for those age 50-85 (in most states).

Acceptance is guaranteed and does not require a medical exam or answers to any health questions. As long as you pay your required monthly premium, which starts as low as $9.95, coverage will last your entire life and cannot be canceled by the company for any reason.

Colonial Penn Pros

Colonial Penn Cons

Obtaining a burial insurance policy can give you and your loved ones peace of mind, knowing that when the time comes, funds will be available to help with the costs associated with funeral arrangements and other final expenses. Colonial Penn is one of many companies offering burial insurance with affordable monthly coverage options starting at $9.95.

Colonial Penn is a highly recognizable insurance company, primarily due to the decades of television commercials featuring Alex Trebek, Ed McMahon, Jonathan Lawson, and other celebrities. The commercials often highlight the affordability of Colonial Penn’s life insurance policies, which start at just $9.95. 

So, is Colonial Penn’s life insurance a good choice, or is it a scam? Before purchasing life insurance, you should always explore the full details of the policy and even compare coverage options from other insurance companies.

This Colonial Penn life insurance review examines the company’s popular guaranteed acceptance whole life insurance policy. Keep reading to learn more about how much $9.95 gets you in coverage, age limits, and the application process.

Colonial Penn Life Insurance Company

Colonial Penn is a life insurance company originally founded in Philadelphia in the 1960s by Leonard Davis, a philanthropist and co-founder of AARP. CNO Financial Group now owns the company.

For over 60 years, Colonial Penn has specialized in selling life insurance policies directly to consumers through various channels like mail, television, call centers, and the Internet.

A key focus of Colonial Penn is providing life insurance to mature adults over 50. In 1968, it became one of the first insurers to offer Guaranteed Acceptance Life Insurance specifically for those aged 50 and over.

The company has a long history of catering its products and services to meet the insurance needs of older adults. Colonial Penn pioneered direct-to-consumer life insurance and is a leading coverage provider for the mature market.

Colonial Penn Life Insurance Ratings & Reviews

While Colonial Penn is a recognizable brand, you should learn more about its financial strength and customer satisfaction track record. The financial strength of an insurance company is important, as you want to ensure that the company will stick around long enough to pay claims if necessary. Here are how the leading independent rating agencies rated Colonial Penn:

  • AM Best: A (Excellent)
  • Standard & Poor’s: A- (Stable)
  • Fitch: A (Stable)
  • Moody’s: A3 (Stable)

While Colonial Penn has a positive financial outlook based on the opinions of the above independent rating agencies, the company appears to receive a higher customer complaint rate than many other life insurance companies.

For example, The National Association of Insurance Commissioners NAIC notes that Colonial Penn Life Ins Co has a customer complaint ratio of 22.20. This number is above the median complaint ratio for all insurance companies of 1.00.

Companies with a score below 1.00 demonstrate that they have received fewer than average customer complaints. Conversely, a score above 1 means the insurance company received a high volume of customer complaints. For example, the total number of customer complaints received on Colonial Penn (individual life) for 2022 was 84.

Colonial Penn is also a BBB-accredited business with an A+ rating from the Better Business Bureau. However, since becoming an accredited business in 2020, they have had an overwhelming 308 customer complaints within the last three years, all of which have been responded to and closed.

What are some of the main negative reviews for Colonial Penn?

  • Problems with product or service
  • Customer service issues
  • Slow claims payment processing

Learn More: Colonial Penn Life Insurance Reviews BBB

Colonial Penn 995 Life Insurance Plan

Colonial Penn’s whole life insurance plan is predominantly marketed as burial insurance or final expense protection due to the low death benefit amount.

The life insurance plan offers limited death benefit protection, with coverage likely to cover funeral costs or other smaller end-of-life expenses. “If you need life insurance coverage greater than $25,000, it will have to come from another company outside Colonial Penn.

However, the greatest benefit of the $9.95 life insurance plan is that there are no medical exams. You don’t even have to provide details about your health, as approval is guaranteed. These two features make the $9.95 plan attractive to seniors with minor or major health issues who need life insurance.

The whole life insurance plan also includes several features, including:

  • Lifetime coverage
  • No medical examination 
  • Simplified underwriting
  • Fixed premium payments
  • Guaranteed cash value growth
  • 30-day money-back guarantee

The company offers a streamlined underwriting process to determine your eligibility so you can get coverage quickly. You also get fixed premiums that never increase with age.

Here is a closer look at all the features offered with the coverage. 

Features of the Colonial Penn $9.95 Plan

Guaranteed Acceptance Life $9.95 Plan
Policy Type:Whole Life Insurance
Death Benefit:2-year graded death benefit
Issue Ages:50-85
(50-75 NY Res)
Coverage Amounts:Purchased in Units of 1-15
Contract Length:Lifetime coverage
Rates:Fixed rates
Cash Growth:Guaranteed cash growth
Policy Riders:Accidental Death Benefit
Medical Exam:No medical exam required - no health questions
State Availability:Available in all states

Death Benefit Payout

Guaranteed Acceptance Life $9.95 Plan
Death Benefit:2-year graded death benefit

Colonial Penn Guaranteed Acceptance Life has a two-year graded death benefit. If death occurs within the first two policy years, the death benefit payment equals a full refund of all premiums paid plus 7% interest on those payments. After two years, your beneficiaries will receive the full death benefit.

Colonial Penn will only pay out the full death benefit if death does occur within the first two policy years of accidental cause. After the second policy year, the death benefit becomes fully payable to the beneficiary regardless of a health-related or accidental death.

A graded death benefit life insurance policy is called “life insurance with a waiting period.” This type of life insurance plan is generally purchased by anyone who cannot qualify for a traditional policy that offers day-one coverage, often due to high-risk health concerns such as cancer.

Age Availability

Guaranteed Acceptance Life $9.95 Plan
Issue Ages:50-85
(50-75 NY Residents)

Colonial Penn Guaranteed Acceptance Life is for applicants between the ages of 50 and 85. In New York, guaranteed acceptance is available between the ages of 50 and 75.

Coverage Amounts

Guaranteed Acceptance Life $9.95 Plan
Coverage Amounts:Purchased in "units" of 1-15
Each unit cost $9.95 per month

Colonial Penn Guaranteed Acceptance Life offers death benefits based on “units” of coverage. You can choose anywhere from 1 to 15 units, with every single unit costing $9.95 per month. However, an individual unit’s death benefit amount will vary depending on the person’s age and gender.

So, to provide you with an example of how each unit of coverage works, let’s say you’re age 70 and want to purchase 1 unit worth of Colonial Penn’s $9.95 coverage. According to the companies on online quote results, one $9.95 unit of coverage would buy you a total death benefit amount of $689.

Now let’s say you’re age 50 and choose to purchase 1 unit of coverage. In that case, your death benefit would equal $1,669 for the same $9.95 monthly payment. The more units you choose, the larger your death benefit will be.

The $9.95 per unit model allows you to choose how much money you want to spend on life insurance. Then, based on how much you’re willing to spend per month, Colonial Penn will tell you how much coverage they will give you based on your spending choice, age, and gender.

How much does each unit of coverage cost?

  • 1 Unit = $9.95
  • 2 Units = $19.10
  • 3 Units = $29.85
  • 4 Units = $39.80
  • 5 Units = $49.75
  • 6 Units = $59.70
  • 7 Units = $69.65
  • 8 Units = $79.60
  • 9 Units = $89.55
  • 10 Units = $99.50
  • 11 Units = $109.45
  • 12 Units = $119.40
  • 13 Units = $129.35
  • 14 Units = $139.30
  • 15 Units = $149.25

*Everyone pays the same price per unit regardless of gender or age.

Colonial Penn’s death benefit model on their Guaranteed Acceptance plans is unique and uncommon to other providers. Traditionally, when buying burial insurance coverage, the provider will have you choose a death benefit amount and provide you with a price based on the death benefit amount.

Instead, Colonial Penn does it entirely backward, where you decide how much you want to spend, and they tell you how much death benefit you will get based on how much you’re willing to pay per month.

You need to obtain a quote through the company’s website to determine how much coverage you can get per unit. However, we have created a Colonial Penn life insurance rate chart (located further into the article), where we have pulled actual current rates directly from the company’s website, showing how much coverage you are getting based on the unit pricing model.

Contract Duration

Guaranteed Acceptance Life $9.95 Plan
Contract Length:Lifetime coverage

Colonial Penn’s whole life insurance plan includes lifetime coverage. Your death benefit amount is locked in for the entire life of the policy. So, as long as you continue making the premium payments, your insurance plan will last the rest of your life and can never be canceled.


Guaranteed Acceptance Life $9.95 Plan
Rates:Fixed rates

Rates are fixed, which means that they never change. After coverage starts, your rates are guaranteed to remain the same price for the entire life of your policy.

Cash Value Growth

Guaranteed Acceptance Life $9.95 Plan
Cash Growth:Guaranteed cash growth

Colonial Penn sets aside a predetermined amount into a cash-value account whenever you make a monthly premium payment. The cash account should equal the death benefit when you reach the age of 95, providing you with a paid-up life insurance policy.

While your policy grows in cash, you can save the cash value or take out a loan. A policy loan will include an interest rate of 8%, compounded annually. The interest rate is lower than banks’ typical rates for personal loans. In addition, any amount that you do not repay before death occurs is subtracted from the death benefit.

Policy Riders

Guaranteed Acceptance Life $9.95 Plan
Policy Riders:Accidental Death Benefit

You can add additional protection with an Accidental Death Benefit Rider.

Depending on your age, you choose up to $50,000 of accidental death benefit protection at an additional cost when applying for coverage. Older applicants will be limited to lesser amounts, with the minimum being $10,000.

Adding the Accidental Death Benefit Rider will pay out an additional death benefit if your death directly resulted from an accident. That means your beneficiary would receive the base and accidental death benefits.

However, if you purchase this rider and your death is due to natural causes, it will not pay the accidental death benefit portion. Only the base death benefit will be paid to your beneficiary.

Medical Exam Requirements

Guaranteed Acceptance Life $9.95 Plan
Medical Exam Requirements:No medical exam required - no health questions

Colonial Penn does not require a medical exam or details about your health. Approval is guaranteed regardless of past or current health as long as you meet the age requirements for coverage.

State Availability

Guaranteed Acceptance Life $9.95 Plan
State Availability:Available in all states

Colonial Penn policies are not currently available in the state of New York. The company is licensed to sell insurance in 49 states, Puerto Rico, the US Virgin Islands, and Washington, DC. Colonial Penn’s parent company CNO Financial sells insurance under the Bankers Conseco Life Insurance brand in the state of New York.

Colonial Penn Life Insurance Rate Chart

This section will provide a detailed look at life insurance rates for Colonial Penn’s Individual Whole Life Insurance plan and their Guaranteed Acceptance, aka the $9.95 per month plan.

The rates shown in the table below have been obtained using the instant quote tool located directly on the Colonial Penn website.

You will then be required to provide the quote tool with your name, ZIP code, date of birth, gender, and contact information before receiving rates.

After completing the short quote form, you can access Colonial Penn life insurance rates without speaking with an agent. However, since you must provide your contact information, you are highly likely to be contacted by a Colonial Penn representative to discuss your life insurance options.

Colonial Penn Guaranteed Acceptance $9.95 Rate Chart

Issue AgeGender1 Unit = $9.955 Units = $49.7510 Units = $99.5015 Units = $149.25
Age 50MaleCoverage: $1,669 Coverage: $8,345Coverage: $16,690Coverage: $25,035
Age 50FemaleCoverage: $2,000Coverage: $10,000 Coverage: $20,000Coverage: $30,000
Age 55MaleCoverage: $1,420Coverage: $7,100Coverage: $14,200Coverage: $21,300
Age 55FemaleCoverage: $1,761Coverage: $8,805Coverage: $17,610Coverage: $26,415
Age 60MaleCoverage: $1,167Coverage: $5,835Coverage: $11,670Coverage: $17,505
Age 60FemaleCoverage: $1,515Coverage: $7,575Coverage: $15,150Coverage: $22,725
Age 65MaleCoverage: $896Coverage: $4,480Coverage: $8,960Coverage: $13,440
Age 65FemaleCoverage: $1,258Coverage: $6,290Coverage: $12,580Coverage: $18,870
Age 70MaleCoverage: $689Coverage: $3,445Coverage: $6,890Coverage: $10,335
Age 70FemaleCoverage: $1,000Coverage: $5,000Coverage: $10,000Coverage: $15,000
Age 75MaleCoverage: $549Coverage: $2,745Coverage: $5,490Coverage: $8,235
Age 75FemaleCoverage: $762Coverage: $3,810Coverage: $7,620Coverage: $11,430

Monthly male/female non-tobacco premium rates are current as of 2/20/2024, representing the cost of 1 Unit / 5 Units / 10 Units / 15 Units of Colonial Penn Guaranteed Acceptance Insurance policy. Rates are fixed and guaranteed to remain the same price for life.

Colonial Penn Life Insurance Frequently Asked Questions – Overview

You know the details of Colonial Penn’s 995 whole life insurance policy but may still have questions about the application process, eligibility, and other features.

Use the following FAQ to address any lingering concerns and questions. If we missed answering anything, please reach out so we can help you.

Is Colonial Penn Life Insurance a Scam?

By no means is Colonial Penn, a scam company. The number of negative customer reviews would cause us to err on the side of caution of locking into a plan with them. However, they are a legitimate insurance company backed by strong financial ratings.

We will also admit that the company does an extremely high volume of business, which could likely lead to higher-than-average customer complaints. And to give them credit, from what we can see, they have attempted to resolve most, if not all, complaints listed with the Better Business Bureau.

In addition, their whole life insurance plans do what they intend to: provide financial protection in the form of a lump-sum death benefit payment paid to your named beneficiaries at the time of your passing.

Is Colonial Penn a Ripoff?

Colonial Penn is far from being the cheapest company to offer burial insurance, but we wouldn’t call them a ripoff.

Their major drawback with Colonial Penn is the Guaranteed Acceptance, aka $9.95 plan. The whole concept is a great marketing concept, but at one unit of coverage, it’s barely enough to cover cremation costs.

Think about it: if you are 70 years old and purchase one unit of coverage for $9.95 per month, all you get in life insurance protection is $689. Even if you select the maximum 15 units of coverage, the death benefit is usually less than $20,000.

Companies such as AIG or Gerber can offer up to a maximum of $25,000 of guaranteed issue whole life insurance, often much cheaper than Colonial Penn’s monthly rates.

Plus, if you’re in good health, you should, without a doubt, look into other burial insurance providers that can offer you immediate protection without the 2-year waiting period.

Does Jonathan Lawson Work for Colonial Penn Life Insurance Company?

Jonathan Lawson, who appears in the Colonial Penn life insurance commercial, “The Three Ps of Life Insurance” is an actual employee of the parent company CNO Financial Group and holds the title of Director of Quality Assurance and Escalations.

Before his current title with CNO Financial Group, Jonathan Lawson held two positions with Colonial Penn Life Insurance as Telesales Manager and Customer Service Manager, according to his LinkedIn profile.

Although he is the current spokesperson for the company’s $9.95 plan, it is unclear if he has any direct involvement in selling policies. Based on his current position with the company, he is unlikely to sell the coverage firsthand.

How Do You Apply for Colonial Penn Life Insurance?

Colonial Penn life insurance plans are offered direct-to-consumer. You do not need to work with an agent to purchase a policy if you choose. However, help is available if needed. Also, independent life insurance agents or agencies, such as No Medical Exam Quotes, are not eligible to sell their life insurance coverage as it is only available through Colonial Penn.

Applying for a life insurance policy can be done online or by calling Colonial Penn’s sales department. The online application is quick and straightforward, with the application process starting with an initial quote.

To receive a quote, you must provide your contact information, age, and gender, followed by the number of units. Remember, each unit of Colonial Penn’s Guaranteed Acceptance whole life insurance costs $9.95 per month, and you can choose up to 15 units, which will cost a total of $149.25 per month.

As you select the number of units, you will see the monthly cost and a corresponding death benefit amount based on the number of units selected. 

After viewing rates, you can continue to complete an online application to apply for a life insurance policy with Colonial Penn. As with most products in the insurance industry, Colonial Penn’s life insurance policies require you to provide the following information:

  • Contact information
  • Beneficiaries
  • Payment information

Approval is likely to be instant, considering coverage is guaranteed.

What Determines Eligibility for Coverage?

Guaranteed acceptance plans require little underwriting, with eligibility primarily based on your age. You must be between the ages of 50 and 85 (in most states) to be eligible.

How Much Life Insurance Coverage Do You Get for $9.95 Per Month?

The $9.95 life insurance plan applies to Colonial Penn’s Guaranteed Acceptance and is the cost per unit of life insurance coverage. You can purchase up to 15 total units, with every single unit costing $9.95 per month. For example, if you were to purchase all 15 units of Colonial Penn coverage, the total monthly cost would be $149.25.

The total coverage you receive for $9.95 will vary based on an applicant’s age and gender, but in most cases, the death benefit will be $1,500 or less. To increase your coverage, you will need to purchase additional units.

Does Colonial Penn Have a Waiting Period Before The Death Benefit Will Payout?

Colonial Penn’s most popular life insurance plan, Guaranteed Acceptance, has an automatic 2-year graded death benefit period. That means that immediately after your policy has become active, it starts the two-wait on a death benefit payout should the policyholder pass away.

If you were to die anytime during the first two policy years, Colonial Penn will only pay out a death benefit to your beneficiary equal to a refund of all premiums paid plus interest of 7% on all paid premiums.

How Quickly is Approval for Coverage?

Colonial Penn does not require a medical exam and has a streamlined underwriting process, allowing you to receive a faster decision. You will likely receive approval for coverage within 24 hours or applying for coverage.

What Happens After You Are Approved for Coverage?

Colonial Penn will send you a notification if you are approved for coverage. In addition, a physical copy of the policy is mailed to the address you included on the application form. 

You can manage your policy by logging into your account online. The customer dashboard includes access to coverage amounts, cash value, payment history, and other details of your policy.

Does Colonial Penn Accept People with Pre-Existing Health Conditions?

Colonial Penn accepts people with pre-existing health conditions. Accepting individuals with existing health issues is one of the advantages of the Colonial Penn $9.95 life insurance plan.

Is It Possible to Increase the Death Benefit After a Policy Has Been Purchased?

You cannot increase the death benefit of a policy after you have already purchased a plan. However, you can buy multiple policies through Colonial Penn if they do not exceed the maximum death benefit limits.

For example, suppose you already have a $25,000 Colonial Penn life insurance policy. In that case, you may purchase up to $25,000 in additional coverage since $50,000 is the maximum death benefit amount on individual whole life insurance. Therefore, on the $9.95 plan, you may own multiple policies as long as you do not exceed 15 units.

After buying a policy and deciding that you want more coverage, you can apply for a separate plan to increase the size of your death benefit. Each new policy will have a different account number. However, Colonial Penn automatically combines the monthly premiums to give you a single statement each month.

How Much Does Colonial Penn Life Insurance Cost?

The cost of Colonial Penn life insurance mostly depends on the applicant’s coverage amount, age, and gender. Men will receive higher life insurance rates than women of the same age and health. Older individuals also face higher rates, so getting life insurance at a younger age is often recommended. 

How Do You Get a Colonial Penn Life Insurance Quote?

To receive a quote for Colonial Penn life insurance plans, you must contact them by telephone or visit the website. Online, you can get an instant quote using the quote form located on the website. Colonial Penn gives you instant rates after filling out a few basic details, such as your age, gender, and coverage amount. You can then decide whether you want to continue the application.

How Long Does Coverage Last?

Colonial Penn only offers whole life insurance coverage. Therefore, coverage lasts for life as long as you pay the monthly premiums. Your rates and death benefit are locked in and also do not change.

What is the Cancellation Policy with Colonial Penn?

Colonial Penn offers a 30-day money-back guarantee. If you decide that you do not want the insurance policy during the first 30 days, you can contact Colonial Penn to cancel that policy and receive a refund of the premiums you have already paid. 

If you cancel after 30 days, you do not receive a refund. However, if your account has accumulated cash value, you may receive the cash value minus any surrender fees and taxes.

How Do You File a Colonial Penn Death Benefit Claim?

You can file a Colonial Penn death benefit claim by sending specific documents to the company through the mail. You need to submit a copy of the death certificate, the original contract, and a claimant’s statement that includes the beneficiary’s name.

How Do I Contact Colonial Penn Customer Service?

You can contact Colonial Penn’s customer service department via phone, online form, or regular mail:

  • Online Form
  • Phone: 1-800-523-9100 (8:30 am to 5:30 pm Monday through Friday)

Mailing Address:

  • Colonial Penn Life Insurance Company 
  • Policyholder Services
  • PO Box 1918
  • Carmel, IN 46082-9903

The company prefers that you call customer service for questions about your benefits and coverage. You can use the online form or write to customer service to request forms, change your beneficiary, or request a replacement copy of your policy.

Pros of Purchasing a Colonial Penn Life Insurance Policy

Here are the top advantages of purchasing a Colonial Penn life insurance policy:

  • No medical exam
  • Online application
  • High financial strength ratings
  • Convenient customer service

Colonial Penn does not require a medical exam for the whole life or guaranteed acceptance policies. Therefore, if you have existing health issues, you do not need to worry about your health history keeping you from getting insurance.

Applying for insurance through Colonial Penn is also easy. You can apply online in minutes. You need to provide some basic information and answer health questions. You should receive a decision quickly.

Colonial Penn is a successful company with high financial ratings from the top rating agencies. The company consistently generates revenue, giving you peace of mind knowing that Colonial Penn can cover any claims.

Colonial Penn has received a higher ratio of complaints compared to some of the leading insurance companies but also offers convenient customer service. If you have a problem, you are likely to receive a solution quickly. You can receive help online or over the phone with an English-speaking or Spanish-speaking customer service rep.

Cons of Purchasing Your Life Insurance with Colonial Penn

Colonial Penn offers quite a few advantages. However, depending on your specific needs, you may also find that Colonial Penn has the following disadvantages:

  • Relatively low coverage amounts
  • Negative customer complaint record

Much of the negatives to Colonial Penn stem from the $9.95 plan and the marketing behind it. The company pushes the life insurance plan as an affordable option for people on a fixed budget. Unfortunately, while $9.95 is a relatively low price for life insurance, the death benefit amount is meager and, in most cases, will not provide enough coverage to cover the total cost of a funeral.

We can honestly say you will find better life insurance by taking the time and working with an independent life insurance agent who can shop coverage between multiple companies.

In addition to the lackluster coverage, the company’s customer complaint records are a factor that should be considered when choosing Colonial Penn or any life insurance provider. As mentioned, several complaints stem from beneficiaries having a bad experience with the death claims process. 

Conclusion – Is Colonial Penn Life Insurance Policy Worth It?

Colonial Penn life insurance is worth it for those wanting convenient coverage for their final expenses. You can get a policy from Colonial Penn to cover your funeral costs or supplement an existing insurance policy. 

While the coverage amounts are low and the plans do not include many options for customizing your plan, you can obtain a policy quickly and easily. You can apply online and receive a quote in minutes.

Colonial Penn guaranteed acceptance may also be a smart choice for those with pre-existing health conditions, but you are highly likely to find better alternatives offered by many other providers.

Before pulling the trigger on a Colonial Penn life insurance policy, take a minute to use our online quote tool to compare rates and have us go to work for you so we can find you the absolute best policy and price based on your insurance needs.

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Picture of Jeffrey Manola - Life Insurance Expert
Jeffrey Manola - Life Insurance Expert

Jeffrey Manola is the founder of No Medical Exam Quotes, an online insurance agency that strongly focuses on helping people shop for the perfect life insurance policy. He is a licensed life insurance expert and content creator for the website.

Before becoming a life insurance agent, he served in the United States Marine Corps, transitioning from serving his country to helping families find affordable life insurance coverage beginning in 2009. Since starting a career as a licensed life insurance agent, Jeffrey has helped thousands of families with their life insurance needs.

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