Life Insurance FAQ
Life insurance for seniors over 60
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The short answer
Seniors over 60 can still get life insurance through term, whole life, no-exam, and final expense policies. Final expense and simplified issue whole life are the most common choices, and many require no medical exam.
Your options after 60
Term life is still available but rates climb steeply after 60, making shorter terms and smaller amounts more practical. Whole life locks in a level premium for life.
No-exam and simplified issue policies approve from a health questionnaire, and final expense policies in the $5,000 to $50,000 range are designed for end-of-life costs.
What affects a senior's rate
Age and health drive pricing. Seniors in good health can still qualify for standard rates, while those with health conditions may pay more or qualify for guaranteed issue coverage with a two-year waiting period.
How to get the best senior rate
Compare multiple carriers, since seniors' rates vary more than younger applicants'. An independent agent who shops 30+ carriers can find the coverage that fits your age, health, and budget.
Related questions
Can a 70-year-old get life insurance?
Yes. Seniors in their 70s can get whole life, final expense, and no-exam coverage. Some carriers offer coverage into the 80s and even 90s, usually with lower face amounts and higher rates.
Do seniors need a medical exam?
No. Many policies for seniors use simplified issue, which approves from a health questionnaire with no physical exam. Guaranteed issue options skip questions entirely.
What is the best life insurance for seniors?
Final expense and simplified whole life are the most popular for seniors because they are affordable, often need no exam, and cover end-of-life costs. A licensed agent can match coverage to your health and budget.
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