2023 Guide To Affordable Life Insurance For Seniors Over 75 - PinnacleQuote

2023 Guide To Affordable Life Insurance For Seniors Over 75

What’s it like looking for affordable life insurance for seniors over 75? Do you want permanent coverage or coverage for a period of time? How much does life insurance cost for a 75 year old?

There’s a common misconception that life insurance is only for young people. Or, if you are over age 75 you are not eligible for term life insurance policies. This is NOT TRUE!

We will talk about how to buy the best life insurance for seniors over 75.

The truth is, it’s never too late to start protecting your loved ones from the financial consequences of your death. Overall, still, at this age, the cheapest life insurance is still going to be term life.

That’s why we’ve created this discussion to help seniors over 75 learn about life insurance and how they can get started with protection today!

Buying affordable life insurance at this age will depend on past medical issues and your overall good health.

The best part?

We’ll even give you some tips on how to save money on premiums so you can protect yourself without breaking the bank.

Even if a health impairment prevents you from being qualified for term life then we have the best alternatives that do not require a medical exam.

These will cover your final expense with a guaranteed death benefit.

Read on and learn what your best life insurance option is for seniors over 75.

Can You Get Life Insurance After Age 75 And Is It Affordable

Can a 75 year old get life insurance?

Above all. getting the best life insurance quotes for seniors at age 75 and over is possible, but you will need to understand that insurance companies will look at you as higher risk as senior health deteriorates with age.

In fact, getting life insurance at this age is risky because mortality for men (77) and women (81) is within a decade. Furthermore covering your end-of-life expenses so your family won’t have to should be your goal.

However, term insurance rates for seniors can be affordable if you are healthy and taking minimal medications, and have no major health issues. This will keep your monthly premiums low.

Beware of Hybrid Misleading Products

The one thing you need to be aware of is hybrid products that claim to offer things that just don’t make sense. These are usually guaranteed issue life insurance.

If you do not have a chronic or terminal illness then these policies are not right for you.

For instance, mailers you receive in the mail or the late-night TV ads from a paid spokesman, are NO GOOD for you.

These are hybrid products that will cause your coverage to go down manually like the Colonial Penn 995 plan, or your rate to go up like Globe life’s bait and switch plan which is term life.

In these cases, be sure you read the advertiser disclosure as your survival benefits to your family will count on it.

Make sure the death benefit is guaranteed! Make sure you are looking at legitimate term life insurance companies and term life insurance rates if this is your goal.

More times than not you will realize that these mailers and TV ads are nothing more than a gimmick and not worth the paper the ink is on. After all, you have to be careful about which senior life insurance you pick.

So beware of the money-back policy plan 75!

Term life insurance for seniors over 75

If you are looking for term 75 life insurance for seniors then speak to us. We deal with the best-term life insurance companies that offer the best life insurance policies.

We are the authority for finding the best life insurance over 75 as we have A+ rated carriers that specialize specifically in the senior over 75 markets.

You also want to make sure you stay far away from the traditional universal life insurance policies at this age.

If you want a longer more affordable policy, then a guaranteed universal life or GUL is the best option for lifelong coverage. Otherwise, final expense policies will do the trick for paying funeral costs.

The National Funeral Directors Association says the average funeral in the US is $7,848. This is great for life insurance for seniors over 75 no medical exam is required.

These are simplified issue whole life insurance policies that require a few health questions to be approved. These are great life insurance options if you are not able to get a term life insurance policy.

In addition, these life insurance plans have a guaranteed death benefit, to cover your final expense, and build cash value over time.

Is Affordable Life Insurance for Seniors Over 75 Possible

How much is life insurance for a 75-year-old? 

We will look over life insurance options and their costs.

In the first place, Whether seniors over 75 or under, regardless of what age you are, finding the best life insurance for seniors is a crucial purchase.

There are so many to choose from that you can get dizzy. Do you need to cover a mortgage, then you need a term life insurance policy! Is it just for your final expense, then you need whole life insurance or a final expense life insurance policy?

Especially for seniors over 75!! It’s the best way to make sure your family is financially secure after you pass.

Affordable senior life insurance

 Life Insurance for Seniors over 75

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 benefits pay as the maximum age for life insurance is 89.

In fact, the insured will need the 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 the elderly over 75.

Of course, those over the age of 75 may be hesitant because of the high rates.

Don’t worry, achieving affordable life insurance for those over 75 can be obtained.

It’s important to call us and let us compare the best life insurance quotes based on your profile.

Low-Cost Life Insurance For Senior Citizens Over 75

This article will explain in detail how to purchase affordable life insurance for those over 75.

Above all, seniors over the age of 70 need to know what their options are.

Unfortunately at this age, seniors are led to believe that they are unable to purchase an inexpensive policy.

This is farthest from the truth as cheap term life insurance for those over 75 can be had.

Although it will not be 30 years on a term.

Beware of the gimmicks you see on late-night television with a paid spokesman telling you what to buy and what is good!! In addition, keep the flyers you receive in the mail with the junk mail, as this is exactly what it is, JUNK MAIL!! These are the products you need to stay away from as they let you down when your family will need it the most!! You, seniors, are smart and have an abundance of wisdom, follow your gut and instincts.

-Daniel Ray/Owner of Pinnaclequote Life Insurance Specialists

Affordable life insurance for those over 75 will come down to WHO you speak to.

The bottom line, you speak to the right expert then reasonable life insurance for seniors over 75 can be obtained.

Enjoy the article as it is an abundance of information to assist you in making the best decision.

Can I Buy Life Insurance At Age 75 And Over, What Will It Cost?

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!!

Once you are over age 60, monthly payments drastically increase every year if you don’t have it locked in.

More importantly, answer the health questions honestly if it’s a term policy or final expense.

Another alternative is life insurance for seniors over 75 with no medical exam

Underwriting can be similar to senior citizen health insurance without a medical test, where there will be questions and a possible phone interview. In some cases, a medical check through the MIB.

Remember, when you purchase the best life insurance, it is not for you, it’s for them!!

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

Frequently Asked Questions

Can a 75-year-old get life insurance?

Yes, although the underlining guidelines with most carrier will tighten due to age, even with major healthy issues we can find you a policy!

How much does the best life insurance cost for a 75-year-old?

Its obviously going to be more than a 65 year old being mortality ages are upon us, (Male 77, Female 81). But you can still get something affordable!

What is the oldest age to buy life insurance?

We offer life insurance for seniors up to age 89, carriers are limited and most dont over 85. 

Can you get life insurance at age 85?

Yes, at 85 we have multiple carriers for burial insurance, if you want something more an size then a GUL is the best policy for seniors or people over 85!

Can an 88-year-old get life insurance?

Yes, we offer the best life insurance up to age 89. The same carrier that offer health insurance plans offer burial insurance, AETNA!

How To Get The Best Life Insurance Rates For Seniors Age 75-79

What Will My Policy Be Like?

Can I buy life insurance at age 75?

All in all, Getting the best 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 affordable term life insurance for those over 70 for only 10, 15, and maybe 20 years if you are 70.

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 the annual income for the amount of coverage over the age of 65.

As far as guaranteed acceptance of whole life insurance for ages 75 and over, this life insurance for seniors plans is 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 insurance over 75.

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 the best life insurance for smokers, seniors in some cases will pay 4-5 times more in the rate.

Above all, it’s just as important to talk to a seasoned professional as it is to find the best rate.

In fact, an independent agent will direct you to the best options available.

Rates For Term Life Insurance for 75 year old

Below we will show comparisons from age 75 to age 79.

In addition, we will compare the rates between males and females.

These will be the best life insurance for 75-year-old women and over as well as term life for a 75-year-old male and older.

How much does life insurance cost for a 75 year old?

Getting the best life insurance for a 75-year-old woman or man can still be affordable at age 75.

Here is the cost of life insurance for a 75-year-old male and female.

Life Insurance for 75 years old male

Term Face AmountMonthlyAnnual
10 year Term$100,000$184.10$2,140.69

Life Insurance for 75 year old female

Term Face AmountMonthlyAnnual
10 year Term$100,000$126.40$1,486.99

Rates For Term Life Insurance for 76 year old

Below are the rates for life insurance for a very healthy 76 years old male and female.

Life Insurance for 76 year old male

Term Face AmountMonthlyAnnual
10 year Term$100,000$237.14$2,773.57

Life Insurance for 76 year old female

Term Face AmountMonthlyAnnual
10 year Term$100,000$164.25$1,921.09

Rates For Term Life Insurance for 77 years old

Here is term life insurance for a 77-year-old man and woman.

Life Insurance for 77 year old male

Term Face AmountMonthlyAnnual
10 year Term$100,000$295.82$3,459.89

Life Insurance for 77 year old female

Term Face AmountMonthlyAnnual
10 year Term$100,000$202.83$2,372.27

Rates For Term Life Insurance for 78 years old

If you are looking for life insurance for a 78-year-old woman and man. Below are the best rates available.

Life Insurance for 78 year old male

Term Face AmountMonthlyAnnual
10 year Term$100,000$368.31$4,307.71

Life Insurance for 78 year old female

Term Face AmountMonthlyAnnual
10 year Term$100,000$250.48$2,929.611

Rates For Term Life Insurance for 79 year old

Whether it is permanent life insurance for a 79-year-old female or traditional life insurance for a 79-year-old male, it will come down to health and medications when determining the best rate.

Life Insurance for 79 year old male

Term Face AmountMonthlyAnnual
10 year Term$100,000$420.27$4,858.60

Life Insurance for 79 year old female

Term Face AmountMonthlyAnnual
10 year Term$100,000$300.40$3,513.49

As you can see the increase from age 75-79 is about 200%.

In addition, you want to be conscious of the fact that most carriers’ maximum entry age for life insurance is 75.

So it is important to get affordable life insurance for 75-year-old females or males as soon as possible.

Above all, talk to an independent agent like the specialists at PinnacleQuote.

They know which carriers specialize in over 75 life insurance.

So whether you are looking for the best life insurance for a 74-year-old man or life insurance for a 78-year-old woman, we will put you in the best position.

The bottom line, the best life insurance for people over 75 is still affordable.

Pros And Cons Of Life Insurance for Seniors Over 75

When you buy life insurance over 75 you want to make sure it will cover funeral costs and overall funeral expenses regardless of health issues.

Keep in mind, coverage options may be limited for a 75-year-old as life insurance quotes by age vary.

Remember, getting life insurance for the elderly over 70 can be a lot more cost-effective at age 70 than 75, by about 1/2!

So don’t put it off as life insurance for the elderly over 70 can be still affordable.

However, there is life insurance for seniors policy for seniors over 75 available that will give you peace of mind.

If you want to have low-cost life insurance rates then term life insurance for those over 75 will be a great option.

Although term lengths may be limited.

These will keep your life insurance premiums low as you are most likely to be on a fixed income.

Most life insurance companies will have a product available whether it be a term, GUL, or final expense insurance.

Even senior citizens with severe health issues will be able to get a guaranteed acceptance life insurance policy.

This is life insurance coverage that is guaranteed issue with the death benefit guaranteed after 2 years.

These will be more pricey than term life insurance quotes, but it may be the only policy you can get.

We will go over this topic more in this article.

What Is GUL Life Insurance For Over 75 And Why It May Be The Best Alternative

Let’s face it, there will be times when you will need more insurance or more time than a typical term policy and/or burial policy can offer.

This is where a Guaranteed Universal Life (GUL) otherwise known as GUL insurance will come into play.

For instance, if you have a mortgage that will last more than 15 years, or you have debt that exceeds a $40,000 burial policy, this is where a GUL can provide the proper coverage.

It is also the best policy available if you are healthy.

Let’s say you have some longevity in your family where members live to be 95-100 years of age.

What good is that term policy going to do for you if you outlive it?

Here is an example of Term vs GUL. with this example, we will show you rates on a 75-year-old healthy male for $100,000.

Term Life Insurance For Seniors Over 75

CarrierTermFace AmountMonthly Rate

GUL For Seniors Over 75

CarrierTo AgeFace AmountMonthly Rate
Age 95$100,000$334.80
Age 100$100,000$367.30

You can clearly see that the GUL to age 95/100 is a superior product as you are getting an extra 5-10 years for roughly the same price.

It’s important to realize the difference between a Non-Guarantee vs Guarantee when it comes to these policies.

In addition, the American General life insurance company AIG also has a great GUL that offers living benefits and cashback features.

AIG life insurance for seniors is a great alternative for income protection for the spouse above the final expenses.

Is Affordable Whole Life Insurance For Seniors Over 75 Still Available

When purchasing life insurance for over 75 it’s important to find the most cost-effective life insurance for seniors available.

In addition, knowing the difference between term and whole life is equally important in finding what’s best for you.

Overall, purchasing a traditional whole life insurance policy will not be the best option unless it is for the final expense or burial.

The reason behind this as the cash value has limited time to accumulate.

However, traditional whole life insurance for ages 75 and over can make sense if you do a 1035 exchange.

The best permanent life insurance policy for 70 years of age and over is a Guaranteed Universal life GUL.

So again, if you are looking for a policy over $50,000, then whole life should not be an affordable option.

What About No Medical Exam Life Insurance For Seniors Over 75, Can I Still Get It?

So, what about term life insurance for over 70 years with no exam? 

In fact, senior citizen life insurance with no medical exam is available for up to 80 years old.

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 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.  

PinnacleQuote Contact Information

A funeral policy for those over 75 might be the only choice!!

The Pros and 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.

In general, if the consumer is healthy, it might make sense to get an exam life insurance policy with the exam only taking about 30 minutes.

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

Facts About Senior Citizens’ Life Insurance Over Age 75 With No Medical Exam

So you might think life insurance for over 70 no medical exam does not exist! Just as long as you are not confined to a nursing home you can get a no-exam policy with a few carriers. 

Ultimately, in regard to senior citizens’ life insurance, many older people would prefer not to do an exam to receive senior coverage.

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-exam for guaranteed coverage.  

Consequently, the plans will be more expensive than a standard policy.

However, you can get insured much faster with 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 50s, 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 males and females. 

Life Insurance For 75-Year-Old Male (No Exam)

CarrierFace AmountProductMonthly
$50,000Family Freedom Term 10-Year$184.41
$50,000Term Made Simple Standard 10-Year$185.49
$50,000Strong Foundation 10-Year$276.94

Life Insurance For 75 Year Old Female (No Exam)

CarrierFace AmountProductMonthly
$50,000Term Made Simple Standard 10-Year$113.90
$50,000Family Freedom Term 10-Year$141.44
$50,000Strong Foundation 10-Year$211.49

Above all, when you are shopping for affordable life insurance ages 75 and over 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 offer over 70 life insurance and no medical up to $150,000!

Foresters offer 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 sweetener, 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. 

Furthermore, the period of time for life insurance quotes for seniors over 70 with a non-medical can take between a few days to a couple of weeks to be approved. 

Can I Get A Funeral Policy For Over 75 Years Of Age

As far as funeral plans, the best thing to do is speak to a family member to go over what the funeral cover will be for.

Whether it is a cremation or a traditional burial, funeral insurance for seniors is very important.

Especially for life insurance for seniors over 75.

Top 10 Burial Carriers:

All these carriers offer senior life insurance plans and other types of life insurance products. It is important to know that underwriting is similar to health insurance for seniors over 75. 

You need to use the common sense factor. As you get older, regardless of health, underwriters will tighten their leniency.

Mortality age is a very big part of this scenario. So stay healthy, keep up your doctor’s annual visits, and be active. If you rest, you RUST!!

Do You Have A High-Risk Lifestyle For Life Insurance For Age 75

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.

Furthermore, when consumers reach the age of 75 and over, a permanent life insurance policy is crucial as they do not want to shop again in the coming years.

When acquiring life insurance for the elderly over 75 it is important to realize that for every year you put it off, prices can go up 50% or more per year! 

The Truth About Guaranteed Life Insurance for Seniors Over 75

It’s important to not confuse Guaranteed life insurance (GI) and Guaranteed Universal Life (GUL).

What is Guaranteed Acceptance Life Insurance?

Guaranteed life insurance otherwise known as guaranteed issue whole life insurance is a small graded whole life policy that has a 2-year waiting period and has a maximum of $40,000 in coverage.

Guaranteed acceptance life 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 coverage than none at all. Even at a higher premium.  

You are protecting your loved ones from the financial burden in the event of your death. 

In fact, it is the best age to get guaranteed life insurance over 60. You are about a decade in a half from the mortality age.

The Truth About What To Expect For Over 75 Life Insurance


You should know that the top insurance companies usually assume people will live until they are at least 90 years of age.

Cheap life insurance quotes for seniors over 75 and older traditionally term life plans between 10 and 15 years of coverage as long as there aren’t any health issues.

Furthermore, having pre-existing medical conditions will obviously affect the price and ultimately your coverage options. Especially for seniors over 75 insurance.

So do your due diligence to find out what companies offer that is best for you. 

Life Insurance costs for seniors can be affordable between 60-65 years of age.

Also, you need to determine between insurance for burial or cremation.

If you budgeting you need to make sure you understand the price difference between different coverage.

For a burial, the average price is between $8,000-$12,000, and a cremation between $1,500-$5,000.

Once you figure out the goals, when you actually buy coverage, that’s the easy part.

Getting Life Insurance Age 75

Looking for life insurance for a 75-year-old woman or life insurance for a 75-year-old man?

Below are the rates for a healthy male/female ages 75-80.

These prices are from one carrier and are about 35% cheaper than the next monthly premium!!

So if you are looking for life insurance for over 75 then this is a must!! 

In addition, this carrier also offers living benefits and possible premium rebates if they do well financially as they are a fraternal company.

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

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

AgeCoverageMonthly PremiumAnnual Premium

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

AgeCoverageMonthly PremiumAnnual Premium


Breaking Down What You Need To Know About Buying Life Insurance


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

Here are 3 ways coverage 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’s 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 overfunding a policy then universal life policies may be your best bet. 

How much does life insurance cost for a 75 year old

I have a client who was a widower in her late 70s, 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 at this age only a 10 yr term is available. Above all, the biggest plus with a GUL is that you can pick an age. For example, 90, 95,100,105,110, and 121. 

Here is an example:

$100,000 GUL policy for a 78-year-old female in good health.

CarrierFace Amount/AgeProductMonthly
age 90
Custom Guarantee Gen 9$294.00
age 95
Advantage Choice UL$373.14
age 100
Advantage Choice UL$405.17
age 105
Advantage Choice UL$431.53
age 110
Custom Guarantee Gen 9$425.00
age 115
Custom Guarantee Gen 9$429.00
age 121
Custom Guarantee Gen 9$431.00

Let me help make your loved one’s financial future secure. Call me for a free one-on-one consultation:



For cost-effective Life Insurance over 75, you’ll need to decide between whole life and term insurance.

Whole life insurance for seniors 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.

After all, life insurance for those over 75 may have premiums that are far less expensive than whole life insurance.

In any event, you always need to consider your budget before choosing coverage options.

Affordable senior life insurance over 75

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, an index universal life insurance policy is not suitable for life insurance for people over 75 due to the lack of guarantees in some cases.


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 coverage 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).

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 insurance. 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 You Need To Know About Health Impairments Ratings For Seniors Over 75 Before You Apply

Seniors and those over 75 looking for coverage 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 auto decline.



In general, many of our senior clients ask,  What is the best life insurance over 75?  

Therefore, not only will we discuss the top carriers with you, but we will also discuss the best term life insurance for 75 and older!

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

The above life insurance companies for seniors over 75 have lenient underwriting.

However, you will need to talk to us so we can figure out your accurate rating class.

This way we can place you with the best option for your personal profile.

Overall, this will guarantee you have the best life insurance for those over 75.

The Truth About Buying Life Insurance For Over 80 Years Old

Over 80 years old life insurance

Life Insurance for senior citizens over 80

Getting life insurance at any age is important as you do not want to cause a financial burden on your loved ones. 

You want to make sure you find the best life coverage available.

Life insurance for ages 80 and over is very limited to products and carriers as they do not want to take the risk.

These risks are riskier to the insurance carriers due to the mortality statistics. 

The Problem:

This is challenging to insurance carriers because mortality statistics are the measuring stick for the amount of risk a carrier will take. In fact, carriers consider males (77) and females (81) to be on borrowed time. 

Furthermore, some carriers will take the risk as we have the best senior over age 80 carriers available on the market. 

The Solution:

  • To find the most cost-effective life insurance for seniors over 80 you want to deal with an independent agent like a PinnacleQuote agent.
  • We will shop you to over a dozen A+ rated carriers that specialize in YOU, the senior over 80. At the very least we will provide the best burial insurance for seniors over 80!

The Truth About Buying Life Insurance For Age 85 and Over

Above all, getting cost-effective life insurance quotes for seniors over 75 can be possible.

However, what about consumers that acquire a life insurance policy over 85?

When shopping for the best life insurance for the elderly over 85 you will find out that 99% of the carriers do not offer a product.

In fact, most agents can’t say there isn’t such a policy available!! 

That Is FALSE!!!

Here at PinnacleQuote, we specialize in providing life insurance coverage for seniors up to age 90!!

Although limited, we can provide whole life insurance for seniors over 85. 

These policies are burial policies and our go-to carrier is AETNA!

These are most commonly called final expense insurance for seniors over 85!

Call us for details, underwriting is fast!! Usually approved within a day!! And YES, UP TO AGE 90!!

So we can accommodate any life insurance for those over 80!!

Is Life Insurance For People Over 85 Years Old Available

When shopping for life insurance for the elderly over 85 your options are quite limited.

In fact, the most common permanent life insurance for seniors will be for final expenses.

Furthermore, seniors over 85 are beyond the mortality ages for both men and women.

Again, the types of life insurance are limited. For instance, simplified whole life insurance for seniors will not be available.

The insurance coverage or death benefit will be limited to $10,000 or less for simplified final expenses.

We have one carrier that we use for this kind of product.

In addition, the insurance rates will be a little pricey at this age. The life insurance company that is our go-to carrier for this is AETNA.

The Truth About Life Insurance For Seniors Over 89

If you are looking into buying life insurance over the age of 89 then you will have a tough time.

Above all, there aren’t any legitimate life insurance carriers offering coverage over this age.

The cut-off age to secure senior life insurance is 89. In fact, for burial, it is up to $10,000.

In addition, if you are looking for more coverage then we have John Hancock which will offer a UL up to 89.

With this policy, a medical exam is required.

What Is The Life Insurance Policy Age Limit

If you are looking for life insurance for seniors it is a good idea to know which products are available and to what age.

For example, for a term policy, the cutoff age is 80.

Also, a traditional whole-life policy you can purchase up to age 80.

In addition, burial insurance in most cases is 85, but AETNA offers up to 89. As we mentioned above, John Hancock offers a UL product of up to 89.

If you are getting a term policy, you want to make sure you purchase at the age of 70, This will still be an age of affordability.

As we said above, over 70 life insurance policies will get expensive as you close in on, mortality age.

So if you purchase life insurance for seniors and you want affordable insurance quotes don’t wait to purchase life insurance for those over 80.

This will be the age of 99% of the policies or companies’ offerings drastically getting reduced.

Is There An Age Limit On Term Life Insurance

You would think that there might not be a limit on life insurance for elderly people.

However, most carriers will not offer term options for seniors over 75 as this is usually the maximum age limit for term insurance.

In fact, there are some carriers that have life insurance age restrictions on terms not passing 80 years old.

As far as life insurance for over 80, just not going to find it. In addition, if you get a term at age 80 it will be no more than a 10-year term.

But what if you have longevity in the family?

What happens if you need coverage for a number of years after 90?

The alternative to this policy is a guaranteed universal life GUL.

This type of policy can be guaranteed up to age 121.

What Is The Maximum Age For Term Life Insurance

Can you get life insurance after the age of 80?

Yes, but just not term!! In fact, if you are looking for life insurance for elderly parents then you will be stuck with a simplified issue of whole life insurance or universal life.

Term life insurance for seniors although the most cost-effective policy available, when you are looking for life insurance over 80, term life is not available.

Life insurance for those over 80 years old will have very few options. Here are the following:

  • Guaranteed Universal Life (GUL) These policies will go to ages 90, 95, 100, 105, 110, and 121
  • Burial Policies are otherwise known as final expense policies. These policies are limited in face amount as most don’t go higher than $25,000.

Does No Age Limit Life Insurance Exists

As we stated above, there are age limits on certain products. If you are looking for a no-age limit life insurance policy then you are meaning something for life.



Although we specialize in life insurance for all ages, health insurance is something that we have affiliates for. We have some of the best affiliates for health insurance for over 70 years old.

So if you are looking for medical insurance for seniors over 75, get in touch with us as we will put you in touch with the best options available.

However, we do offer medicare supplements through Mutual of Omaha, AETNA. Feel free to ask us for a quote to see if you are overpaying.

In addition, we have some policies that can cover hospital indemnity and critical illness up to age 80.

But again, our affiliates will do a great job if you are looking for health insurance for seniors over 70.


Here at PinnacleQuote we specialize in seniors over 75 and provide 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. We are contracted with the best senior carriers.

In fact, they all have different guidelines and will look at you differently.

Furthermore, that means they will all give you a different price.

Our job is will isolate the best price with the right carrier. 

In some cases, it’s as easy as buying a health insurance policy as there will be a few questions, a prescription check, and a MIB search. 

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

Who We Are

To Point out, PinnacleQuote is a licensed national independent life insurance agent in 49 states.  

 Danny Ray Founder/Independent Agent
Danny Ray Founder/Independent Agent

With 26 years of experience in the Investment/Life insurance industries, PinnacleQuote will provide you with the best service to protect your family.

We even can provide life insurance to over 75 UK residents if they own property in the US.

BONUS: Here is an awesome resource for seniors, OurSeniorsGuide.com, they offer everything from in-home care, and 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, and tech gadget insurance…

…..The most important of all, 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.


If you’ve been searching for term life insurance, but haven’t found a plan that meets your needs, we can help.

We have experts who know how to find the best coverage at rates tailored specifically for seniors over 75 years old.

With our help, you won’t need to break the bank for high-quality protection with benefits and features that make it easy for you to live independently in retirement.

Our friendly agents are waiting by phone or online —no obligation is required! Get started today by calling (855) 380-3300 or filling out the form on the right and we will contact you.