Life Insurance For Seniors Over 75

Written by Danny Ray

Quick Tip: To compare rates for seniors over 75, fill out the form to the left and the best prices will be displayed Immediately. 

Affordable Life Insurance for Seniors Over 75

how much is life insurance for a 75 year old? 

In the first place, Whether seniors over 75 or under, regardless of what age you are, life insurance is a crucial purchase. Especially for seniors over 75!! It’s the best way to make sure your family is financially secure after you pass.

Above all, as you get older you are more prone to health issues. Furthermore, getting coverage will give you peace of mind at the age of 75 or over. In general, you want to make sure the policy is for the long term and the death benefit pays.

plan for life insurance for seniors

Life Insurance for Seniors over 75

In fact, the insured will need a policy to cover to prevent your loved ones from inheriting your debts or paying for your final expenses. Again, it’s never too late to get senior life insurance for elderly over 75. Of course those over the age of 75 may be hesitant because of the high rates. However, it’s still possible to find affordable coverage plans. As a matter of fact, there are many coverage options to get affordable life insurance quotes for seniors over 75. Don't put it off as it only means paying a higher premium!! More importantly, answer the health questions honestly.

Remember, when you buy coverage, it is not for you, it's for them!!

Call us today at 855-380-3300, for affordable life insurance for senior citizens age of 70-90!



CAN YOU GET LIFE INSURANCE AFTER AGE 70

Or even over 75?  Yes you can still get coverage!!!

For one thing, it’s never too late to protect your loved ones with life insurance 75 and over. In particular, there are 3 different policy types that we recommend for people in their 70s:

1. 10-Year Term: Are you in good health and still active? You may qualify for medically underwritten life insurance — the most affordable term life insurance coverage for seniors over 75!

2. Guaranteed Issue: No matter how bad your health is, you’re guaranteed acceptance. It doesn’t require a medical exam or health questions. However, it can be costly, but you’re guaranteed to leave cash behind for your loved ones. This type of policy is usually for funeral expenses. 

3. Simplified Issue: There’s no medical exam with this type of policy, either. Just answer a questionnaire about your medical history in order to apply. It’s not guaranteed, but acceptance rates are higher than policies that require a medical exam. This is better known as final expense life insurance for seniors

In that case, ask yourself this; Can your family afford to pay for a funeral or your final medical expenses? If not, life insurance can help. Call me for a free one-on-one consultation: 855-380-3300

My Goal Is To Provide Peace Of Mind! 


Best Life Insurance For Seniors Over 75, What Will My Policy Be Like?

All in all, Getting life insurance quotes for seniors over 75 or older is much different than getting insurance at 50 because you’re far less likely to need insurance for as long. Therefore, you can find term life policies for just 10, 15, or 20 years. For instance, this allows the consumer to save a considerable amount of money. For the most part, if you want the most affordable life insurance for seniors, you’re going to want to go with a term life policy for peace of mind.Keep in mind, most life insurance companies have a multiple of up to 5 times annual income for the amount of coverage over the age of 65. 

Affordable life insurance for seniors

Life Insurance For seniors 70 and over

As far as whole life for over 75,  these plans are a bit more complicated. For example, sometimes death benefit protection doesn’t kick in until a few years after you get your policy. This can be a challenge for over 75 insurance. For high risk individuals diagnosed with a life-threatening illness or pre-existing conditions, this can be a big concern. Nevertheless, if you are looking for life insurance for smokers, seniors in some cases will pay 4-5 times more in the rate. Getting insurance when having a high risk lifestyle such as a history of DUI could affect the prices, especially for seniors over the age of 75. 


Over 75 Life Insurance

LIFE INSURANCE FOR AGE 75 ~ WHAT TO EXPECT

You should know that the top insurance companies usually assume people will live until they are at least 90 years of age. Affordable life insurance for seniors over 75 and older are traditionally term life plans between 10 and 15 years of coverage as long as there isn't any health issues. Furthermore, having pre existing medical conditions will obviously affect the price and ultimately your coverage options. Especially for coverage for seniors over 75. So do your due diligence to find out what companies offer that is best for you. 

Life Insurance rates for seniors can be affordable between 60-65 years of age. Also, you need to determine between insurance for a burial or cremation. If your budgeting you need to make sure you understand the price difference of different coverage. For burial, average price is between $8,000-$12,000, a cremation between $1,500-$5,000. Once you figure out the goals, when you actually buy life insurance, that's the easy part.

Looking for life insurance for 75 year old woman? or life insurance for 75 year old man? Below are the rates for a healthy male/female ages 75-80. These prices are from one carrier and is about 35% cheaper than the next monthly premium!! 

Call Us To Find Out Who This A+ Carrier Is!!

Healthy male Rates For $100,000 10 Year Term Policy.

Age

Coverage

Monthly Price

Annual Price

75

$100,000

$133.79

$1,529.00

76

$100,000

$155.75

$1780.00

77

$100,000

$177.71

$2,031.00

78

$100,000

$199.68

$2,282.00

79

$100,000

$221.64

$2,533.00

80

$100,000

$243.60

$2,784.00

Insert table

Healthy Female Rates For $100,000 10 year term policy. 

Age

Coverage

Monthly Price

Annual Price

75

$100,000

$96.25

$1,100.00

76

$100,000

$115.85

$1,324.00

77

$100,000

$135.45

$1,548.00

78

$100,000

$155.05

$1,772.00

79

$100,000

$175.53

$2,006.00

80

$100,000

$195.21

$2,231.00


ARE YOU OVER 65? OVER 75? TIME TO ADD LIFE INSURANCE TO YOUR ESTATE PLAN

You’ve got enough money for retirement — you planned well and have plenty to enjoy the coming years. But what about the ones you leave behind? What about your peace of mind?

Here are 3 ways life insurance gives them a bright future:

1. It Divides Your Estate Evenly.

If you’re having trouble dividing assets between the kids, proper coverage can help. It offers a lump sum equal to the value of a house, business, or other collection of assets, so both kids inherit the same amount.

2. It’s Not Subject to Probate.

You want your kids to inherit your home, assets, and any cash you left for them. But they won’t…at least not until your will clears probate. This can take six months or even longer. What if your kids really need that money? Life insurance benefits aren’t subject to probate and can be paid out immediately.

3. It Provides Cash to Pay Estate & Income Tax.

If you leave your children cash, they’ll have to pay income tax on it. If your estate is valued at more than the estate tax minimum, they’ll have to pay a 40% tax to inherit it. Death Benefit proceeds are 100% income-tax free. Don’t be worried about the estate tax, we can use a trust to help your heirs avoid that, too. If you are considering over funding a policy then universal life policies may be your best bet. 

I have a client who was a widower in her late 70's, she also had a substantial net worth. In this case, guaranteed universal life insurance might be the best option. It is priced better than whole life, and this age only a 10 yr term is available. Above all, the biggest plus with a GUL is that you can pick a age. For example, 90, 95,100,105,110 and 121. 

Here is an example of the price of a $100,000 GUL policy for a 78 year old female in good health.

Carrier

Face Amount

Product

Monthly

Annual

$100,000 

GUL Age 90

Advantage Choice UL A90

$316.10

$3667.06

American General/AIG


$100,000

95 Year UL

Secure LifeTime GULIII to 95

$349.21

$3991.00

American General/AIG


$100,000

100 Year UL

Secure LifeTime GULIII to 100

$371.26

$4243.00

$100,000 

GUL Age 105

Advantage Choice UL A105

$441.42

$5126.80

$100,000 

GUL Age 110

Advantage Choice UL A110

$480.14

$5576.59

American General/AIG


$100,000

121 Year UL

Secure LifeTime GULIII to 100

$414.57

$4738.00

Insert table

Let me help make your loved ones financial future secure. Call me for a free one-on-one consultation: 855-380-3300


PinnacleQuote's Simple Process

We are not in the business of selling. In fact, educating our clients and providing them with the best options is our PRIORITY!! Basing those options on the 

specific profile of the client. So we tailor make you a

life insurance policy!


WHAT ABOUT NO MEDICAL EXAM TERM LIFE INSURANCE FOR SENIORS OVER 75

So, what about life insurance for over 70 no medical exam?  In fact, senior citizen life insurance no medical exam is available up to 80 years of age. However, if you suffer from medical conditions, such as diabetes, or multiple sclerosis that might prevent you from getting coverage, you can always opt for a no exam term life insurance policy for seniors. This way, you will be covered, despite being a high risk individual. But keep in mind, if a health impairment is not controlled and you seek coverage for over 75, even the best term policies will be declined.  A funeral policy for over 75 might be the only choice!
!

Call 855-380-3300

  • Free "Accurate" Quote in Under 5 Minutes 
  • No Obligation and No Upselling
  • No High Pressure Sales, EVER!!
  • check
    Expert advice from an award winning Agent with over 25 years experience

MON-FRI: 9 AM - 9PM

Live Agents Standing By

Call 855-380-3300

The Pros, no medical exam insurance policies include more lenient acceptance and quick coverage. Coverage can start in just a few days. So it’s a good option for those looking to get coverage ASAP. However, the cons include higher prices and lower coverage limits.

“We, Will, Find You The Best Term Life Insurance For Seniors over 75”

WHAT KIND OF AFFORDABLE LIFE INSURANCE FOR SENIORS OVER 75 GET

For Affordable Term Life Insurance for Seniors Over 75 you’ll need to decide between whole life  and term insurance. Whole life insurance is best suited for those that believe they will live for a lot longer. Term insurance is more appropriate for those looking for being covered for a short amount of time. However, layering term policies can save you money, but must be before the age of 71.

seniors over 75

Seniors over 75 and life insurance Rates

After all, term life insurance for seniors over 75 may have premiums that are far less expensive than whole life. In any event, you always need to consider your budget before choosing coverage options. For instance, there are many types of policies to pick from. All things considered, it’s still a good idea to compare quotes before  applying for a policy. In fact, this can help you find the cheapest possible policies.

Consequently, if money is an issue, or if your coverage has run out, you have the option of just getting final expense insurance. However, the premium payment may be higher. Primarily, it covers explicitly any funeral costs so that your family won’t need to pay for it. In fact, a funeral policy for over 75 will be very closely priced for men than women versus a term at this age. Above all, always check the rating of the company you’re looking at, A.M Best is the superior rating company and is the one we use for superior accuracy. Keep in mind, a index universal life insurance policy is not suitable for those over 75 due to the lack of guarantees in some cases.


SENIOR CITIZENS LIFE INSURANCE OVER THE AGE OF 75 WITH NO MEDICAL EXAM

Ultimately, in regards to senior citizens life insurance, many older people would prefer not doing a medical exam to receive senior life insurance. Overall, maybe you don’t like needles, or perhaps you are in poor health or over 75. All in all, you can opt for a no medical exam for guaranteed coverage.  Consequently, the plans will be more expensive than a standard policy.

However, you can get insured much faster with a no medical exam policy. If you have a dangerous lifestyle, you made need to look at special risk coverage. Furthermore, if you are in your late 50’s, you might want to look at the 20 year term life insurance policy as the most affordable term. However, a 30 year term is not available for those seeking coverage over 60.

For example, how much is life insurance for a 75 year old wanting a no exam policy. Below we will look at rates for both male and female.

Life Insurance For 75 Year Old Male (No Exam)

Carrier

Face Amount

Product

Monthly

Annual

$50,000

Term Made Simple 10 - No Exam

$130.28

$1,447.50

$50,000

Your Term 10 - No Exam

$174.43

$1,993.50

Life Insurance For 75 Year Old Female (No Exam)

Carrier

Face Amount

Product

Monthly

Annual

$50,000

Term Made Simple 10 - No Exam

$88.97

$988.50

$50,000

Your Term 10 - No Exam

$131.51

$1,503.00

Insert table
Insert table

Above all, when you are shopping for coverage over age of 75 it's important to realize that some policies have more options built into the policy than say a cheaper alternative. As you can see above, American-Amicable is better priced, however the Foresters policy is such a better product. 

Foresters offers a Critical and Chronic illness rider to the policy. That gives the insured access to the death benefit without dying. It is better known as a Living Benefits rider. At this age it may be something that is a necessity. Furthermore, here is the sweetner, it also comes with a family health benefit rider. This helps with family health expenses that occur during natural disasters that include hurricanes, tornadoes and earthquakes. 


HOW CAN HEALTH PROBLEMS CHANGE MY LIFE INSURANCE FOR PEOPLE OVER 75

To clarify, if you have any severe health conditions, such as diabetes, getting coverage can be more difficult. After all, aside from being quoted higher rates, you may just be declined life insurance in general. In this case, you can always go with guaranteed whole life insurance. This way you will receive coverage, despite any medical issues. However, the rates for guaranteed acceptance will be high in comparison. In some cases, a simple burial policy would be sufficient. Also, these policies are permanent. 

Consequently, studies have shown that treated high blood pressure may be linked to higher overall disability in people with multiple sclerosis (MS). Although the rate at which disability progresses might be slower than in patients without hypertension, a retrospective study concludes. Furthermore, some studies have previously suggested an adverse effect of high cholesterol levels on the development of brain lesions in patients with multiple sclerosis (MS).

75 and older Life Insurance

Seniors over 75 ~ Life Insurance

Again, if you are healthy, for the most part the application process is very similar to the process of health insurance. Especially, a no medical exam. 


PinnacleQuote's Simple Process

We are not in the business of selling. In fact, educating our clients and providing them with the best options is our PRIORITY!! Basing those options on the 

specific profile of the client. So we tailor make you a

life insurance policy!


HEALTH IMPAIRMENTS RATINGS FOR SENIORS OVER 75

Insert Content Template or Symbol

Seniors and those over 75 looking for life insurance will have more of a challenge getting coverage. Especially with the following preexisting health impairments.

  •  Atrial Fibrillation –  A standard rate is possible as long as it’s Paroxysmal/Intermittent/Recurrent, but normally table rated from T3-T7. If current heart failure, then a decline.
  • Sleep Apnea Disorder – A Standard rate is possible if the diagnosis is mild Sleep Apnea and compliant with the use of a CPAP daily. Severe and compliant possible table 2, non-compliant is a decline.
  • Type 1 or 2 Diabetes –  Type 1 for seniors over 7 years since diagnosis is a decline. Type 2 diabetes if onset over 66 and a controlled A1C, possible Standard Plus to Table 2.
  • Cancer Patient Survivors – Depending on cancer type, never better than a standard rate, and in most cases cancer free for over 5 years with no repercussions.
  • Bipolar Disorder – If a senior has bipolar disorder and is mild with no suicide history, then standard is possible if no antipsychotic medication.
  • Epilepsy/Seizures – Complex partial, after 6 months to two years from last seizure table 3, 3-5 years table 2, after 5 years possible standard. Simple partial table 3 if within 2 years of last seizure, after 2 years then standard. Metabolic brain disease, within 5 years decline.

  • HIGHLY RECOMMENDED CARRIERS FOR SENIORS OVER 75

    BEST LIFE INSURANCE Carriers FOR SENIORS OVER 75

    In general, many of our senior clients ask,  What is the best life insurance for over 75?  Therefore, not only will we discuss the top carriers with you, we will also discuss the best affordable life insurance for seniors over 75!

    The following are carriers that have great life insurance for seniors over 75:  

    • Prudential Life
    • Foresters Life
    • AIG
    • Fidelity Life
    • Protective Life
    • Phoenix Life
    • Sagicor

    WHAT IS GUARANTEED ACCEPTANCE LIFE INSURANCE

    Guaranteed acceptance life insurance insurance is available to people who have health issues and who could otherwise be declined due to those health impairments. It offers a lower death benefit and slightly higher premiums. The application process is quite simple as there is no medical exam is required.  You must hold the policy for at least 2 years before you can collect the benefit. In reality, it is better to have life insurance than none at all. Even at the higher premium.  You are protecting your loved ones of the financial burden in the event of your death. 


    LIFE INSURANCE FOR SENIORS OVER 75 YEARS OLD VIDEO


    WE SPECIALIZE IN SENIORS OVER 75!

    Here at PinnacleQuote we specialize in seniors over 75 and providing the best options for an array of health impairments. In general, we will ask a small list of health and lifestyle questions to determine the best fit. Life Insurance carriers all have different guidelines and will look at you differently. In other words, that means they will all give you a different price. Our job is we will isolate the best price with the right carrier.

    This takes as little as five minutes to accomplish. Extremely efficient process.

    To Point out, PinnacleQuote is a licensed national independent life insurance agent in 49 states.  With 25 years experience in the Investment/Life insurance industries, PinnacleQuote will provide you the best service to protect your family.

    BONUS: Here is an awesome resource for seniors, OurSeniorsGuide.com, they offer everything from in home care, nursing facilities, to entertainment and geriatric physicians. 

    More Important, If you have any questions, please feel free to check our reviews or  contact us at PinnacleQuote (855)380-3300.

    Keep in mind, we walk around with health insurance, car insurance, home insurance, cell phone insurance, tech gadget insurance....

    .....The most important of all, The Life Insurance is the one most often neglected.  But this is the one that is not for YOU, it is for your LOVED ONES YOU LEAVE BEHIND.

    Danny Ray Independent Agent

    Danny Ray Founder/Independent Agent

    Select Columns Layout
    Select Columns Layout
    Select Columns Layout
    Select Columns Layout
    Add Icon
    Danny Ray & Lisamarie Monaco Contributed To This Article
    Danny Ray & Lisamarie Monaco Contributed To This Article

    Quick Tip: To compare rates for seniors over 75, fill out the form to the left and the best prices will be displayed Immediately. 

    Affordable Life Insurance for Seniors Over 75

    how much is life insurance for a 75 year old? 

    In the first place, Whether seniors over 75 or under, regardless of what age you are, life insurance is a crucial purchase. Especially for seniors over 75!! It’s the best way to make sure your family is financially secure after you pass.

    Above all, as you get older you are more prone to health issues. Furthermore, getting coverage will give you peace of mind at the age of 75 or over. In general, you want to make sure the policy is for the long term and the death benefit pays.

    plan for life insurance for seniors

    Life Insurance for Seniors over 75

    In fact, the insured will need a policy to cover to prevent your loved ones from inheriting your debts or paying for your final expenses. Again, it’s never too late to get senior life insurance for elderly over 75. Of course those over the age of 75 may be hesitant because of the high rates. However, it’s still possible to find affordable coverage plans. As a matter of fact, there are many coverage options to get affordable life insurance quotes for seniors over 75. Don't put it off as it only means paying a higher premium!! More importantly, answer the health questions honestly.

    Remember, when you buy coverage, it is not for you, it's for them!!

    Call us today at 855-380-3300, for affordable life insurance for senior citizens age of 70-90!



    CAN YOU GET LIFE INSURANCE AFTER AGE 70

    Or even over 75?  Yes you can still get coverage!!!

    For one thing, it’s never too late to protect your loved ones with life insurance 75 and over. In particular, there are 3 different policy types that we recommend for people in their 70s:

    1. 10-Year Term: Are you in good health and still active? You may qualify for medically underwritten life insurance — the most affordable term life insurance coverage for seniors over 75!

    2. Guaranteed Issue: No matter how bad your health is, you’re guaranteed acceptance. It doesn’t require a medical exam or health questions. However, it can be costly, but you’re guaranteed to leave cash behind for your loved ones. This type of policy is usually for funeral expenses. 

    3. Simplified Issue: There’s no medical exam with this type of policy, either. Just answer a questionnaire about your medical history in order to apply. It’s not guaranteed, but acceptance rates are higher than policies that require a medical exam. This is better known as final expense life insurance for seniors

    In that case, ask yourself this; Can your family afford to pay for a funeral or your final medical expenses? If not, life insurance can help. Call me for a free one-on-one consultation: 855-380-3300

    My Goal Is To Provide Peace Of Mind! 


    Best Life Insurance For Seniors Over 75, What Will My Policy Be Like?

    All in all, Getting life insurance quotes for seniors over 75 or older is much different than getting insurance at 50 because you’re far less likely to need insurance for as long. Therefore, you can find term life policies for just 10, 15, or 20 years. For instance, this allows the consumer to save a considerable amount of money. For the most part, if you want the most affordable life insurance for seniors, you’re going to want to go with a term life policy for peace of mind.Keep in mind, most life insurance companies have a multiple of up to 5 times annual income for the amount of coverage over the age of 65. 

    Affordable life insurance for seniors

    Life Insurance For seniors 70 and over

    As far as whole life for over 75,  these plans are a bit more complicated. For example, sometimes death benefit protection doesn’t kick in until a few years after you get your policy. This can be a challenge for over 75 insurance. For high risk individuals diagnosed with a life-threatening illness or pre-existing conditions, this can be a big concern. Nevertheless, if you are looking for life insurance for smokers, seniors in some cases will pay 4-5 times more in the rate. Getting insurance when having a high risk lifestyle such as a history of DUI could affect the prices, especially for seniors over the age of 75. 


    Over 75 Life Insurance

    LIFE INSURANCE FOR AGE 75 ~ WHAT TO EXPECT

    You should know that the top insurance companies usually assume people will live until they are at least 90 years of age. Affordable life insurance for seniors over 75 and older are traditionally term life plans between 10 and 15 years of coverage as long as there isn't any health issues. Furthermore, having pre existing medical conditions will obviously affect the price and ultimately your coverage options. Especially for coverage for seniors over 75. So do your due diligence to find out what companies offer that is best for you. 

    Life Insurance rates for seniors can be affordable between 60-65 years of age. Also, you need to determine between insurance for a burial or cremation. If your budgeting you need to make sure you understand the price difference of different coverage. For burial, average price is between $8,000-$12,000, a cremation between $1,500-$5,000. Once you figure out the goals, when you actually buy life insurance, that's the easy part.

    Looking for life insurance for 75 year old woman? or life insurance for 75 year old man? Below are the rates for a healthy male/female ages 75-80. These prices are from one carrier and is about 35% cheaper than the next monthly premium!! 

    Call Us To Find Out Who This A+ Carrier Is!!

    Healthy male Rates For $100,000 10 Year Term Policy.

    Age

    Coverage

    Monthly Price

    Annual Price

    75

    $100,000

    $133.79

    $1,529.00

    76

    $100,000

    $155.75

    $1780.00

    77

    $100,000

    $177.71

    $2,031.00

    78

    $100,000

    $199.68

    $2,282.00

    79

    $100,000

    $221.64

    $2,533.00

    80

    $100,000

    $243.60

    $2,784.00

    Insert table

    Healthy Female Rates For $100,000 10 year term policy. 

    Age

    Coverage

    Monthly Price

    Annual Price

    75

    $100,000

    $96.25

    $1,100.00

    76

    $100,000

    $115.85

    $1,324.00

    77

    $100,000

    $135.45

    $1,548.00

    78

    $100,000

    $155.05

    $1,772.00

    79

    $100,000

    $175.53

    $2,006.00

    80

    $100,000

    $195.21

    $2,231.00


    ARE YOU OVER 65? OVER 75? TIME TO ADD LIFE INSURANCE TO YOUR ESTATE PLAN

    You’ve got enough money for retirement — you planned well and have plenty to enjoy the coming years. But what about the ones you leave behind? What about your peace of mind?

    Here are 3 ways life insurance gives them a bright future:

    1. It Divides Your Estate Evenly.

    If you’re having trouble dividing assets between the kids, proper coverage can help. It offers a lump sum equal to the value of a house, business, or other collection of assets, so both kids inherit the same amount.

    2. It’s Not Subject to Probate.

    You want your kids to inherit your home, assets, and any cash you left for them. But they won’t…at least not until your will clears probate. This can take six months or even longer. What if your kids really need that money? Life insurance benefits aren’t subject to probate and can be paid out immediately.

    3. It Provides Cash to Pay Estate & Income Tax.

    If you leave your children cash, they’ll have to pay income tax on it. If your estate is valued at more than the estate tax minimum, they’ll have to pay a 40% tax to inherit it. Death Benefit proceeds are 100% income-tax free. Don’t be worried about the estate tax, we can use a trust to help your heirs avoid that, too. If you are considering over funding a policy then universal life policies may be your best bet. 

    I have a client who was a widower in her late 70's, she also had a substantial net worth. In this case, guaranteed universal life insurance might be the best option. It is priced better than whole life, and this age only a 10 yr term is available. Above all, the biggest plus with a GUL is that you can pick a age. For example, 90, 95,100,105,110 and 121. 

    Here is an example of the price of a $100,000 GUL policy for a 78 year old female in good health.

    Carrier

    Face Amount

    Product

    Monthly

    Annual

    $100,000 

    GUL Age 90

    Advantage Choice UL A90

    $316.10

    $3667.06

    American General/AIG


    $100,000

    95 Year UL

    Secure LifeTime GULIII to 95

    $349.21

    $3991.00

    American General/AIG


    $100,000

    100 Year UL

    Secure LifeTime GULIII to 100

    $371.26

    $4243.00

    $100,000 

    GUL Age 105

    Advantage Choice UL A105

    $441.42

    $5126.80

    $100,000 

    GUL Age 110

    Advantage Choice UL A110

    $480.14

    $5576.59

    American General/AIG


    $100,000

    121 Year UL

    Secure LifeTime GULIII to 100

    $414.57

    $4738.00

    Insert table

    Let me help make your loved ones financial future secure. Call me for a free one-on-one consultation: 855-380-3300


    PinnacleQuote's Simple Process

    We are not in the business of selling. In fact, educating our clients and providing them with the best options is our PRIORITY!! Basing those options on the 

    specific profile of the client. So we tailor make you a

    life insurance policy!


    WHAT ABOUT NO MEDICAL EXAM TERM LIFE INSURANCE FOR SENIORS OVER 75

    So, what about life insurance for over 70 no medical exam?  In fact, senior citizen life insurance no medical exam is available up to 80 years of age. However, if you suffer from medical conditions, such as diabetes, or multiple sclerosis that might prevent you from getting coverage, you can always opt for a no exam term life insurance policy for seniors. This way, you will be covered, despite being a high risk individual. But keep in mind, if a health impairment is not controlled and you seek coverage for over 75, even the best term policies will be declined.  A funeral policy for over 75 might be the only choice!
    !

    Call 855-380-3300

    • Free "Accurate" Quote in Under 5 Minutes 
    • No Obligation and No Upselling
    • No High Pressure Sales, EVER!!
    • check
      Expert advice from an award winning Agent with over 25 years experience

    MON-FRI: 9 AM - 9PM

    Live Agents Standing By

    Call 855-380-3300

    The Pros, no medical exam insurance policies include more lenient acceptance and quick coverage. Coverage can start in just a few days. So it’s a good option for those looking to get coverage ASAP. However, the cons include higher prices and lower coverage limits.

    “We, Will, Find You The Best Term Life Insurance For Seniors over 75”

    WHAT KIND OF AFFORDABLE LIFE INSURANCE FOR SENIORS OVER 75 GET

    For Affordable Term Life Insurance for Seniors Over 75 you’ll need to decide between whole life  and term insurance. Whole life insurance is best suited for those that believe they will live for a lot longer. Term insurance is more appropriate for those looking for being covered for a short amount of time. However, layering term policies can save you money, but must be before the age of 71.

    seniors over 75

    Seniors over 75 and life insurance Rates

    After all, term life insurance for seniors over 75 may have premiums that are far less expensive than whole life. In any event, you always need to consider your budget before choosing coverage options. For instance, there are many types of policies to pick from. All things considered, it’s still a good idea to compare quotes before  applying for a policy. In fact, this can help you find the cheapest possible policies.

    Consequently, if money is an issue, or if your coverage has run out, you have the option of just getting final expense insurance. However, the premium payment may be higher. Primarily, it covers explicitly any funeral costs so that your family won’t need to pay for it. In fact, a funeral policy for over 75 will be very closely priced for men than women versus a term at this age. Above all, always check the rating of the company you’re looking at, A.M Best is the superior rating company and is the one we use for superior accuracy. Keep in mind, a index universal life insurance policy is not suitable for those over 75 due to the lack of guarantees in some cases.


    SENIOR CITIZENS LIFE INSURANCE OVER THE AGE OF 75 WITH NO MEDICAL EXAM

    Ultimately, in regards to senior citizens life insurance, many older people would prefer not doing a medical exam to receive senior life insurance. Overall, maybe you don’t like needles, or perhaps you are in poor health or over 75. All in all, you can opt for a no medical exam for guaranteed coverage.  Consequently, the plans will be more expensive than a standard policy.

    However, you can get insured much faster with a no medical exam policy. If you have a dangerous lifestyle, you made need to look at special risk coverage. Furthermore, if you are in your late 50’s, you might want to look at the 20 year term life insurance policy as the most affordable term. However, a 30 year term is not available for those seeking coverage over 60.

    For example, how much is life insurance for a 75 year old wanting a no exam policy. Below we will look at rates for both male and female.

    Life Insurance For 75 Year Old Male (No Exam)

    Carrier

    Face Amount

    Product

    Monthly

    Annual

    $50,000

    Term Made Simple 10 - No Exam

    $130.28

    $1,447.50

    $50,000

    Your Term 10 - No Exam

    $174.43

    $1,993.50

    Life Insurance For 75 Year Old Female (No Exam)

    Carrier

    Face Amount

    Product

    Monthly

    Annual

    $50,000

    Term Made Simple 10 - No Exam

    $88.97

    $988.50

    $50,000

    Your Term 10 - No Exam

    $131.51

    $1,503.00

    Insert table
    Insert table

    Above all, when you are shopping for coverage over age of 75 it's important to realize that some policies have more options built into the policy than say a cheaper alternative. As you can see above, American-Amicable is better priced, however the Foresters policy is such a better product. 

    Foresters offers a Critical and Chronic illness rider to the policy. That gives the insured access to the death benefit without dying. It is better known as a Living Benefits rider. At this age it may be something that is a necessity. Furthermore, here is the sweetner, it also comes with a family health benefit rider. This helps with family health expenses that occur during natural disasters that include hurricanes, tornadoes and earthquakes. 


    HOW CAN HEALTH PROBLEMS CHANGE MY LIFE INSURANCE FOR PEOPLE OVER 75

    To clarify, if you have any severe health conditions, such as diabetes, getting coverage can be more difficult. After all, aside from being quoted higher rates, you may just be declined life insurance in general. In this case, you can always go with guaranteed whole life insurance. This way you will receive coverage, despite any medical issues. However, the rates for guaranteed acceptance will be high in comparison. In some cases, a simple burial policy would be sufficient. Also, these policies are permanent. 

    Consequently, studies have shown that treated high blood pressure may be linked to higher overall disability in people with multiple sclerosis (MS). Although the rate at which disability progresses might be slower than in patients without hypertension, a retrospective study concludes. Furthermore, some studies have previously suggested an adverse effect of high cholesterol levels on the development of brain lesions in patients with multiple sclerosis (MS).

    75 and older Life Insurance

    Seniors over 75 ~ Life Insurance

    Again, if you are healthy, for the most part the application process is very similar to the process of health insurance. Especially, a no medical exam. 


    PinnacleQuote's Simple Process

    We are not in the business of selling. In fact, educating our clients and providing them with the best options is our PRIORITY!! Basing those options on the 

    specific profile of the client. So we tailor make you a

    life insurance policy!


    HEALTH IMPAIRMENTS RATINGS FOR SENIORS OVER 75

    Insert Content Template or Symbol

    Seniors and those over 75 looking for life insurance will have more of a challenge getting coverage. Especially with the following preexisting health impairments.

  •  Atrial Fibrillation –  A standard rate is possible as long as it’s Paroxysmal/Intermittent/Recurrent, but normally table rated from T3-T7. If current heart failure, then a decline.
  • Sleep Apnea Disorder – A Standard rate is possible if the diagnosis is mild Sleep Apnea and compliant with the use of a CPAP daily. Severe and compliant possible table 2, non-compliant is a decline.
  • Type 1 or 2 Diabetes –  Type 1 for seniors over 7 years since diagnosis is a decline. Type 2 diabetes if onset over 66 and a controlled A1C, possible Standard Plus to Table 2.
  • Cancer Patient Survivors – Depending on cancer type, never better than a standard rate, and in most cases cancer free for over 5 years with no repercussions.
  • Bipolar Disorder – If a senior has bipolar disorder and is mild with no suicide history, then standard is possible if no antipsychotic medication.
  • Epilepsy/Seizures – Complex partial, after 6 months to two years from last seizure table 3, 3-5 years table 2, after 5 years possible standard. Simple partial table 3 if within 2 years of last seizure, after 2 years then standard. Metabolic brain disease, within 5 years decline.

  • HIGHLY RECOMMENDED CARRIERS FOR SENIORS OVER 75

    BEST LIFE INSURANCE Carriers FOR SENIORS OVER 75

    In general, many of our senior clients ask,  What is the best life insurance for over 75?  Therefore, not only will we discuss the top carriers with you, we will also discuss the best affordable life insurance for seniors over 75!

    The following are carriers that have great life insurance for seniors over 75:  

    • Prudential Life
    • Foresters Life
    • AIG
    • Fidelity Life
    • Protective Life
    • Phoenix Life
    • Sagicor

    WHAT IS GUARANTEED ACCEPTANCE LIFE INSURANCE

    Guaranteed acceptance life insurance insurance is available to people who have health issues and who could otherwise be declined due to those health impairments. It offers a lower death benefit and slightly higher premiums. The application process is quite simple as there is no medical exam is required.  You must hold the policy for at least 2 years before you can collect the benefit. In reality, it is better to have life insurance than none at all. Even at the higher premium.  You are protecting your loved ones of the financial burden in the event of your death. 


    LIFE INSURANCE FOR SENIORS OVER 75 YEARS OLD VIDEO


    WE SPECIALIZE IN SENIORS OVER 75!

    Here at PinnacleQuote we specialize in seniors over 75 and providing the best options for an array of health impairments. In general, we will ask a small list of health and lifestyle questions to determine the best fit. Life Insurance carriers all have different guidelines and will look at you differently. In other words, that means they will all give you a different price. Our job is we will isolate the best price with the right carrier.

    This takes as little as five minutes to accomplish. Extremely efficient process.

    To Point out, PinnacleQuote is a licensed national independent life insurance agent in 49 states.  With 25 years experience in the Investment/Life insurance industries, PinnacleQuote will provide you the best service to protect your family.

    BONUS: Here is an awesome resource for seniors, OurSeniorsGuide.com, they offer everything from in home care, nursing facilities, to entertainment and geriatric physicians. 

    More Important, If you have any questions, please feel free to check our reviews or  contact us at PinnacleQuote (855)380-3300.

    Keep in mind, we walk around with health insurance, car insurance, home insurance, cell phone insurance, tech gadget insurance....

    .....The most important of all, The Life Insurance is the one most often neglected.  But this is the one that is not for YOU, it is for your LOVED ONES YOU LEAVE BEHIND.

    Danny Ray Independent Agent

    Danny Ray Founder/Independent Agent

    Select Columns Layout
    Select Columns Layout
    Select Columns Layout
    Select Columns Layout
    Add Icon

    This entry was posted in Affordable Life Insurance, High Risk Life Insurance, Life Insurance. Bookmark the permalink.

    6 Comments

    Gloria Varney

    I know I am 71. But is there any term life policy out there for me. No medical problems Labs EKG and vitals all normal.

    January 24, 2018 at 10:20 pm

      Sorry for not getting back to you sooner. Yes, Ms. Varney, I have clients who get term up to age 80. I will email a health/lifestyle questionnaire, it will take you 60 seconds to fill out with the use of your mouse or smartphone. Then I will email you the results within minutes.
      Danny

      January 28, 2018 at 11:51 pm
    Carl Willis

    We need quote

    March 24, 2018 at 4:38 pm

      I can assist you with that, here is a health/lifestyle link, it takes 60 seconds to fill out from the convenience of your mouse or smartphone, I will then email you accurate quotes.

      HEALTH/LIFESTYLE QUESTIONNAIRE

      March 25, 2018 at 6:45 pm
    shirley

    I am 74 and looking for a insurance policy or a cancer policy.
    I am in good health and never had cancer.

    May 25, 2018 at 6:29 pm

      Hi Shirley, I am Danny Ray the owner of PinnacleQuote. I can definitely assist you in that. I specialize in both seniors over 70. I also have a critical illness and cancer policies as well. Give me a call at 855-380-3300.

      May 27, 2018 at 4:32 pm
    Leave A Reply
    11 0 0