Life Insurance For Seniors Over 75 (What You Need To Know)

**Quick Tip: If You Want An Instant Quote, Fill Out The Form On The Side And Rates 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.

plan for life insurance for seniors
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 benefit pays 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 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 seniors over 75 can be obtained.

Can I Buy Life Insurance At Age 75?

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 its a term policy or final expense. Another alternative is life insurance for seniors over 75 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 life insurance, 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!

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

Over 75 Life Insurance

Retired people meeting, life insurance over 75


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

​​​​For one thing, it’s never too late to protect your loved ones with term life insurance for seniors over 70 years of age. In particular, there are 4 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! This is a great option for an insurance plan if you have more than a burial to cover!

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. It is still affordable life insurance for elderly over 75. 

4. Burial Policy And/Or Final Expense: These policies will cover your final expenses such as burial and small minor debts so your family won’t have to. Face amounts for these policies usually range between $2,000-$50,000. Our go-to carrier is Mutual of Omaha. They have a final expense policy called “Living Promise”, which is the best product on the market for life insurance for older adults. 

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! 

Affordable life insurance for seniors

Life Insurance For seniors 70 and over

Life Insurance 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 rates by age vary.

However, there are life insurance plans available that will give you peace of mind. If you want to have affordable life insurance rates then a term life insurance for seniors 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 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 rates, but it may be the only policy you can get.

We will go over this topic more in this article.

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

Can I buy life insurance at age 75?

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.

As far as guaranteed acceptance whole life insurance for over 75 years of age,  these life insurance 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 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 life insurance for smokers, seniors in some cases will pay 4-5 times more in the rate.

HIgh-Risk Lifestyle for over 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 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! 

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.

Affordable life insurance rates 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 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 coverage, 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 are about 35% cheaper than the next monthly premium!! So if you are looking for term life insurance for seniors over 70 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.

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



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 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 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 an 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.

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


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!


So, what about term life insurance for seniors over 70 years 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!!

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.

In general, if the consumer is healthy, it might make sense to get a medical 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”

Funeral Policy For Over 75

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 traditional burial, funeral insurance for seniors is very important.

Especially for life insurance for seniors over 75.

Top 10 Burial Carriers:

  • Mutual Of Omaha (Living Promise)
  • United Home Life UHL
  • Foresters (Plan Right)
  • Sentinel Security Life (New Vantage 1)
  • Royal Neighbors Of America
  • Liberty Bankers Life
  • Prosperity Life
  • AETNA (Up To Age 89)
  • AIG (Guaranteed Issue)
  • Gerber Life (Guaranteed Issue)

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 annual visits, and be active. If you rest, you RUST!!


For Affordable Term Life Insurance 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.

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

seniors over 75

Seniors over 75 and life insurance Rates

[tcb-script type=”text/javascript” src=”//” async=””][/tcb-script]


So you might think life insurance for seniors 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 medical exam policy with a few carriers. 

Ultimately, in regards to senior citizens life insurance, many older people would prefer not doing a medical 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 medical 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 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)

Life Insurance For 75 Year Old Female (No Exam)

Above all, when you are shopping for term life insurance age 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 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. 


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. 

75 and older Life Insurance

Seniors over 75 Life Insurance

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!


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 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 affordable life insurance for 75 and older!

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

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

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 over 80 years of age is very limited on 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 affordable 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!

Life Insurance for Over 85 Years of age

Above all, getting affordable life insurance rates 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 seniors 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 seniors over 80!!

What Is The Maximum Age For Term Life Insurance

Can you get life insurance after age 80? Yes, but just not term!!

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

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

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

For free quotes, click the quote box on the upper left to see rates within seconds!


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 the higher premium.  

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




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. We are contracted with the best seniors carriers.

In fact, they 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. 

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.

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,, they offer everything from in-home care, nursing facilities, to entertainment and geriatric physicians. 

Danny Ray Independent Agent
Danny Ray Founder/Independent Agent

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, 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.

0 0