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09/03/2026

If you've ever seen a Colonial Penn commercial promising life insurance for just $9.95 a month, you've probably wondered if it's no good.

What you'll learn in this video:

Why $9.95 only buys one small unit of coverage, not $9.95 worth of insurance.
How much coverage a 50, 65, 75, and 85-year-old actually get for that price.
Why Colonial Penn's guaranteed acceptance plan carries a mandatory 2-year wait.
What happens to your family's payout if you pass away from a health issue during those first 2 years.
Why Colonial Penn's acquisition costs are so high, and how that affects your premium.
How Colonial Penn's marketing and distribution channels have shifted in recent years.
What percentage of senior shoppers may qualify for better, faster coverage elsewhere.

Questions Answered In This Video (and many more!):

Q: Does Colonial Penn offer 1st-day coverage?
A: No. It' has a mandatory 2-year waiting period.
Q: What happens if I die during Colonial Penn's 2-year waiting period?
A: Your family just gets your premiums refunded + 7% interest.
Q: Is there a better alternative to Colonial Penn?
A: I have many companies I work with that are much better than Colonial Penn.
Q: Can I still qualify for 1st-day coverage if I have health conditions?
A: About 93% of people I help qualify for 1st-day coverage.

Before you call that Colonial Penn number, find out what you actually qualify for. I'm the Final Expense Guy, and I've spent the last 10 years helping people find the best, lowest-priced 1st-day coverage available.

Call me directly at 888-862-9456 for a free policy check, with no medical exam required to see how much you can save.

This video is for educational purposes and reflects publicly available rate and underwriting information at the time of filming. Coverage and eligibility depend on your individual health history.

07/15/2026

Colonial Penn’s $9.95 Plan: A Bad Deal for Water Retention Patients

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants with water retention issues.

Colonial Penn television commercials target applicants with water retention issues.

Colonial Penn charges over 50% more for comparable coverage for applicants with water retention issues.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants with water retention issues.

Colonial Penn $9.95 plan provides less coverage for applicants with water retention issues.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants with water retention issues.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/14/2026

Vision Loss & Life Insurance: Stop Overpaying at Colonial Penn

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants with diabetic vision loss.

Colonial Penn television commercials target applicants with diabetic vision loss.

Colonial Penn charges over 50% more for comparable coverage for applicants with diabetic vision loss.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants with diabetic vision loss.

Colonial Penn $9.95 plan provides less coverage for applicants with diabetic vision loss.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants with diabetic vision loss.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/14/2026

Colonial Penn’s $9.95 Plan: A Bad Deal for Metformin Users

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants with diabetic vision loss.

Colonial Penn television commercials target applicants with diabetic vision loss.

Colonial Penn charges over 50% more for comparable coverage for applicants with diabetic vision loss.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants with diabetic vision loss.

Colonial Penn $9.95 plan provides less coverage for applicants with diabetic vision loss.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants with diabetic vision loss.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/14/2026

Colonial Penn's $9.95 Plan: A Bad Deal for Ulcerative Colitis Patients

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants with ulcerative colitis.

Colonial Penn television commercials target applicants with ulcerative colitis.

Colonial Penn charges over 50% more for comparable coverage for applicants with ulcerative colitis.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants with ulcerative colitis.

Colonial Penn $9.95 plan provides less coverage for applicants with ulcerative colitis.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants with ulcerative colitis.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/13/2026

Why Your Insulin Use Doesn't Have to Mean Expensive Insurance

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants who use insulin.

Colonial Penn television commercials target applicants who use insulin.

Colonial Penn charges over 50% more for comparable coverage for applicants who use insulin.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants who use insulin.

Colonial Penn $9.95 plan provides less coverage for applicants who use insulin.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants who use insulin.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/13/2026

TIA Survivors: Stop Settling for Colonial Penn’s High Costs

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants who have had TIA (Mini-Stroke) in the past.

Colonial Penn television commercials target applicants who have had TIA (Mini-Stroke) in the past.

Colonial Penn charges over 50% more for comparable coverage for applicants who have had TIA (Mini-Stroke) in the past.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants who have had TIA (Mini-Stroke) in the past.

Colonial Penn $9.95 plan provides less coverage for applicants who have had TIA (Mini-Stroke) in the past.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants who have had TIA (Mini-Stroke) in the past.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/13/2026

Lupus Doesn't Have To Mean Expensive Insurance

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants with systemic lupus.

Colonial Penn television commercials target applicants with systemic lupus.

Colonial Penn charges over 50% more for comparable coverage for applicants with systemic lupus.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants with systemic lupus.

Colonial Penn $9.95 plan provides less coverage for applicants with systemic lupus.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants with systemic lupus.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/12/2026

The Truth About Life Insurance After A Stroke

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants who have had stroke in the past.

Colonial Penn television commercials target applicants who have had stroke in the past.

Colonial Penn charges over 50% more for comparable coverage for applicants who have had stroke in the past.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants who have had stroke in the past.

Colonial Penn $9.95 plan provides less coverage for applicants who have had stroke in the past.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants who have had stroke in the past.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

Price Buster Rates use the phone number 888-862-9456.

07/12/2026

Why Your Stent Surgery Shouldn't Cost You 50% More For Life Insurance

Randy VanderVaate | The Final Expense Guy
Retirement Advocate & 50 State Licensed Life Insurance Agent
Helping Americans Age 50+ Make Smarter Financial Decisions
Call 888-862-9456 | [http://FEXGUY.com](http://fexguy.com/)
Funeral-Burial-Cremation Quote: [https://fexguy.com/free-quote/](https://fexguy.com/free-quote/)
Term Life Insurance Quote: [https://fexguy.com/term-quote/](https://fexguy.com/term-quote/)

Colonial Penn life insurance targets applicants with a stent surgery.

Colonial Penn television commercials target applicants with a stent surgery.

Colonial Penn charges over 50% more for comparable coverage for applicants with a stent surgery.

Colonial Penn receives rip-off criticism from some consumers.

Colonial Penn $9.95 plan charges more for applicants with a stent surgery.

Colonial Penn $9.95 plan provides less coverage for applicants with a stent surgery.

Colonial Penn $9.95 plan requires a 2-year waiting period for applicants with a stent surgery.

Price Buster Rates compare alternatives to Colonial Penn life insurance.

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