Senior Life Insurance
Life Insurance for Seniors
Life insurance options don't stop at a certain age. Whether you're looking for coverage to protect your family or a simple policy to cover final expenses, there are options built for seniors.
What is senior life insurance?
"Senior life insurance" isn't a single product — it's a category that covers several types of life insurance available to older applicants, from small final expense policies to larger permanent or term policies. The right choice depends on your goals, your health, and your budget.
Options
Types of life insurance for seniors
A quick overview of the main categories — explore any of them to learn more.
Final Expense / Burial Insurance
A smaller, permanent policy built specifically for funeral and end-of-life costs, often with a simplified application.
Guaranteed Issue Life Insurance
No health questions or medical exam required, making it an option for applicants who may not qualify elsewhere.
Whole Life Insurance
Permanent coverage designed to last a lifetime, often with larger coverage amounts and underwriting requirements.
Term Life Insurance
Coverage for a set period, such as 10 or 20 years — often less expensive up front but doesn't last for life.
How to Choose
How to choose the right policy
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Start with your goal
Are you covering funeral costs specifically, or looking for broader protection for your family?
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Consider your health
Your health history affects which products you'll qualify for and at what price.
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Compare coverage amounts
Larger amounts cost more — match the amount to what you're actually trying to cover.
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Factor in your budget
Choose a premium that fits comfortably into your monthly budget for the long term.
Related Coverage
Explore related coverage types
Final expense insurance goes by a few different names depending on how it's used — explore the option that matches what you're looking for.
FAQ
Senior life insurance FAQs
Is there an age limit for life insurance for seniors?
Age limits vary by product and carrier. Some final expense and guaranteed issue products are available to applicants well into their 80s, while traditional term life insurance often has lower maximum issue ages. Comparing products is the best way to see what's available at your age.
Can seniors get life insurance with pre-existing health conditions?
Often, yes. Guaranteed issue and some simplified issue products are specifically designed for applicants who may not qualify for traditional, fully underwritten life insurance due to health history.
What's the difference between term life and permanent life insurance for seniors?
Term life insurance covers a set period (such as 10 or 20 years) and generally costs less initially, but coverage ends when the term expires. Permanent life insurance, including final expense policies, is designed to last for life as long as premiums are paid.
How much life insurance do seniors typically need?
It depends on the goal. Some seniors want enough to cover funeral and burial costs specifically, while others want additional coverage to leave behind for family, outstanding debts, or medical bills. There's no single right answer — it comes down to your personal goals and budget.
Do seniors need a medical exam to qualify?
Not always. Many products aimed at seniors — including simplified issue and guaranteed issue final expense policies — don't require a medical exam, though some ask health questions or have waiting periods.
Compare life insurance options built for seniors
Get your free quote and see what you may be eligible for.
No obligation. Coverage available for eligible applicants.