Vantis Life Guaranteed Golden Review | 2020 Update

Vantis Life Insurance Company sells guaranteed acceptance policies via their Guaranteed Golden product.

Is it the right type of life insurance for you? Maybe.

Especially with guaranteed issue (acceptance) life insurance, you will need to do some digging to determine if you should apply.

Everything you need to know about Vantis Guaranteed Golden is found here. Evaluate an unbiased review of the company, product, and rates before submitting an application.

Table Of Contents

  1. Company Overview
  2. Guaranteed Golden
  4. FAQs
  5. Next Steps

Vantis Company Overview

Headquartered in Windsor, Connecticut, Vantis Life Insurance Company has over 75 years of conducting business.

Provide customers with a better life experience.

– Vantis Life’s mission

In 2016, Vantis joined the Penn Mutual Life Insurance Company. Penn Mutual, established in 1847, has a long history of financial stability.

Vantis focuses on providing life insurance coverage to “hard-working Americans” with easy-to-understand products.

Financial Strength Rating: A+ (A.M. Best)

Interesting fact – Vantis partners with the Fidelco Guide Dog Foundation to improve the lives of visually-impaired people.

Guaranteed Golden Life Insurance

Vantis Life’s Guaranteed Golden life insurance policy is a form of guaranteed issue life insurance.

Key Features

  • Acceptance is guaranteed
  • No physical exam or health questions
  • Premiums remain level for the life of the policy
  • Cannot be canceled due to age
  • Builds cash-value

It is important to note that guaranteed issue coverage should not be your first choice for life insurance protection.

How come? Every applicant is approved for coverage, which means the carrier is absorbing substantial risk.

Because of this, premiums are expensive and face amounts are modest.

That being said, if, due to serious health conditions (perhaps you are a cancer patient), you are unable to qualify for traditional coverage, guaranteed issue can make all the difference for your loved ones.

Let’s review the basics of Guaranteed Golden.


Before making a decision on whether a particular product makes sense for you, there are five important features to evaluate.

1. Issue Ages

Vantis, just like all carriers who offer guaranteed issue coverage, only issues policies to certain age groups.

You must be between the ages of 50 – 75 years.

There is a carrier, Great Western, who offers guaranteed acceptance coverage to individuals beginning at age 40.

Further, Prosperity Life begins coverage at age 40 for a product that is similar to guaranteed issue, but with a few health questions.

If you are younger and do not qualify for traditional coverage, like 20-year term, look into accidental death and dismemberment insurance.

2. Face Amount

Guaranteed Golden offers policies for amounts between $5,000 – $20,000.

Clearly, guaranteed issue coverage only offers modest policy sizes.

Vantis designed this type of coverage for final expense needs:

  • Medical bills
  • Credit card bills
  • Funeral expenses

For this reason, you will want to confirm that traditional coverage is not an option, first. Term life insurance (and whole life insurance) provides face amounts that are substantially larger.

For example:

3. Instant Issue

You will not have to wait around for Guaranteed Golden to issue.

In fact, your turnaround time is typically minutes. Once you have submitted your application and made your first premium payment, your life insurance policy will be issued.

4. Policy Length

Guaranteed Golden is a form of whole life insurance.

Your policy will not expire and your beneficiaries are guaranteed to receive a death benefit, as long as you make your premium payments.

Further, as with most forms of permanent coverage, your policy accumulates cash value, which is available for:

  1. Loans
  2. Withdrawals

5. No Health Questions

As one type of no exam life insurance, guaranteed issue has the simplest underwriting.

Not only will you skip a physical, but you will also not be asked any health questions.

If you have a serious medical diagnosis or lifestyle concern, it will not need to be disclosed:

Additional Details

There are other features to consider.


There are three simple steps to purchase a policy:

  1. Choose coverage amount
  2. Answer key questions (typically online)
  3. Acceptance is guaranteed (policy is mailed to you)

Graded Benefit

You should know that the full death benefit is not immediately available.

Instead, all Guaranteed Golden policies include a graded death benefit provision.

What is this? Your beneficiaries will not receive the policy’s death benefit until 2 years have passed.

If you pass away during the first two years of your policy’s issuance, your premiums will be refunded, plus interest.

There is an exception to the graded benefit. If death occurs as the result of a qualifying accident, the full death benefit is paid from the first year of the policy and on.

Policy Review

Vantis provides 30 days for you to review your policy. If you are not satisfied, for any reason, you will be fully refunded.

Vantis Guaranteed Issue Quotes

Let’s evaluate who much a Guaranteed Golden policy will cost you.

Premiums are based on your age when the policy is issued. Premium payments remain level for the duration of the policy.

Guaranteed Golden Monthly Premiums Male

50 Year Old$21.46$40.66$59.87$79.07
51 Year Old$21.93$41.61$61.29$80.96
52 Year Old$22.44$42.63$62.82$83.02
53 Year Old$22.99$43.73$64.47$85.21
54 Year Old$23.58$44.91$66.24$87.57
55 Year Old$24.21$46.16$68.12$90.07
56 Year Old$24.86$47.48$70.09$92.70
57 Year Old$25.55$48.85$72.15$95.45
58 Year Old$26.28$50.31$74.34$98.37
59 Year Old $27.06$51.87$76.68$101.48
60 Year Old$27.90$53.56$79.21$104.87
61 Year Old$29.16$56.08$82.99$109.91
62 Year Old$30.48$58.71$86.94$115.16
63 Year Old$31.88$61.52$91.15$120.78
64 Year Old$33.43$64.60$95.78$126.95
65 Year Old$35.13$68.00$100.88$133.76
66 Year Old$36.76$71.26$105.77$140.27
67 Year Old$38.50$74.75$110.99$147.24
68 Year Old$40.37$78.50$116.62$154.75
69 Year Old$42.41$82.57$122.72$162.88
70 Year Old$44.63$87.00$129.38$171.76
71 Year Old$47.57$92.88$138.20$183.51
72 Year Old$50.68$99.11$147.54$195.97
73 Year Old$54.03$105.80$157.58$209.38
74 Year Old$57.65$113.06$168.46$223.87
75 Year Old$61.62$121.00$180.37$239.74

Guaranteed Golden Monthly Premiums Female

50 Year Old$19.29$36.33$53.37$70.42
51 Year Old$19.66$37.07$54.48$71.89
52 Year Old$20.06$37.87$55.68$73.49
53 Year Old$20.49$38.73$56.97$75.20
54 Year Old$20.94$39.64$58.33$77.02
55 Year Old$21.42$40.60$59.77$78.95
56 Year Old$21.93$41.61$61.29$80.96
57 Year Old$22.46$42.66$62.87$83.07
58 Year Old$23.01$43.78$64.54$85.30
59 Year Old $23.61$44.97$66.33$87.70
60 Year Old$24.26$46.27$68.28$90.29
61 Year Old$24.94$47.63$70.32$93.01
62 Year Old$25.65$49.04$72.44$95.83
63 Year Old$26.40$50.54$74.69$98.84
64 Year Old$27.23$52.21$77.19$102.17
65 Year Old$28.16$54.07$79.98$105.89
66 Year Old$29.52$56.78$84.05$111.31
67 Year Old$30.96$59.66$88.37$117.07
68 Year Old$32.53$62.08$93.08$123.35
69 Year Old$34.24$66.23$98.22$130.21
70 Year Old$36.13$70.00$103.88$137.75
71 Year Old$38.01$73.76$109.52$145.28
72 Year Old$40.00$77.75$115.50$153.25
73 Year Old$42.16$82.07$121.98$161.89
74 Year Old$44.52$86.80$129.07$171.34
75 Year Old$47.12$92.00$136.87$181.75

You can choose to make your premium payments annually, semi-annually, quarterly, or monthly.

Frequently Asked Questions

Frequently asked questions about Vantis Guaranteed Golden and their answers.

Is this form of life insurance right for me?


First, you will want to determine if you qualify for traditional no physical life insurance. Rates are better and face amounts are available in larger sizes.

Second, if it’s determined that guaranteed issue is your only life insurance option, compare carriers that offer this form of coverage.

In addition to Vantis, we recommend you evaluate top-rated companies offering guaranteed issue:

  1. AIG
  2. Gerber
  3. Great Western
  4. Mutual of Omaha

What if I am terminally ill?

A terminal illness does not prevent from purchasing Guaranteed Golden, or any guaranteed issue policy for that matter.

However, keep in mind that you will have a graded benefit provision. Your policy will not pay until two years after its issuance.

Your premiums, though, will be returned, plus interest. So, in a sense, there is nothing to lose.

I need more coverage than the available face amounts. What are my options?

While you can’t purchase a policy for more than the available face amounts, you can possibly stack life insurance.

Stacking life insurance policies involves purchasing multiple policies to increase the cumulative death benefit your loved ones receive.

Is Vantis Life Insurance Company good?

Vantis Life has strong financial ratings and positive customer reviews. In fact, they rated “A+ Superior” by the top insurance rating organization, A.M. Best.

Further, they are a member of the highly-rated Penn Mutual Life Insurance Company.

Next Steps

There are two important things to do before you apply with Vantis, or any carrier for that matter.

First, connect with an independent agent. You will want someone who will advocate on your behalf.

Independent agents will present you multiple quotes from the top-rated carriers, so that you have options.

Second, be prepared for your life insurance application.

Conduct a quick needs analysis and evaluate your health/lifestyle to help your agent understand what type of coverage you qualify for.

Write down:

  1. Your financial needs
    1. Debts
    2. Medical bills
    3. Funeral costs
    4. Needs of loved ones
  2. Serious medical and/or lifestyle information
  3. Beneficiary information

To get started, fill out your free quote.