Can I Get Life Insurance at 85?

If you’re asking "Can I get life insurance at 85?", the answer is Yes— and for many seniors, it’s easier than expected.

While most traditional life insurance policies stop much earlier, Mutual of Omaha Guaranteed Acceptance Life Insurance is specifically designed to help older adults secure coverage up to age 85 (ages 45–75 in New York), even with serious health conditions.

This guide explains exactly how life insurance at 85 works, what coverage you can get, and how to secure a policy before age limits close.

👉 If you’re 85 or approaching 85, now is the time to request a free life insurance quote.

Why Most People Think Life Insurance Ends at 80 (But It Doesn’t)

Many insurers cap coverage at ages 70, 75, or 80 — which leads to the common myth that life insurance isn’t available beyond that point.

However, some carriers recognize that seniors still want to:

• Cover funeral and burial expenses
• Protect loved ones from final costs
• Leave a small financial legacy

That’s why Mutual of Omaha offers guaranteed acceptance coverage up to age 85, regardless of health.

Mutual of Omaha Guaranteed Acceptance Life Insurance (Ages 45–85)

For someone age 85, this is one of the most reliable life insurance options available.

Why Mutual of Omaha Is Ideal at Age 85

• Guaranteed approval (no health questions)
• No medical exam
• No lab work or doctor visits
• Coverage available up to $25,000
• Fixed premiums that never increase
• Coverage that never expires

As long as you’re within the eligible age range, approval is not based on health — making this one of the safest choices at 85.

👉 See if you qualify today — request your free Mutual of Omaha quote now.

How Much Life Insurance Can You Get at 85?

With Mutual of Omaha Guaranteed Acceptance Life Insurance, coverage amounts typically range from:

• $2,000 to $25,000
• This type of policy is often used for:
• Funeral and burial expenses
• Cremation or memorial services
• Medical bills
• Outstanding debts
• Financial peace of mind for family

💡 Coverage is whole life, meaning it stays in force for life as long as premiums are paid.

What Does Life Insurance Cost at Age 85?

Premiums at age 85 are higher than at younger ages — but they are:

• Predictable
• Locked in for life
• Often less expensive than paying final expenses out of pocket

Pricing depends on:

• Coverage amount
• Gender
• Tobacco use
• State of residence

👉 The fastest way to see your exact cost is to request a free, personalized quote — there’s no obligation.

Is There a Waiting Period?

Yes — Mutual of Omaha Guaranteed Acceptance Life Insurance includes a graded death benefit.

What That Means:

• During the first two policy years, if death occurs from natural causes, beneficiaries receive a return of premiums paid plus interest
• After the waiting period, the full death benefit is paid
• Accidental death is covered immediately

This structure allows seniors to get approved when other policies would decline them.

Can I Be Denied Life Insurance at 85?

With this policy, no — as long as:

• You’re within the eligible age range (45–85, or 45–75 in NY)
• You complete the application accurately
• Your first premium is paid

Health conditions such as:

• Heart disease
• Cancer (past or present)
• Diabetes
• COPD
• Stroke
• Alzheimer’s or dementia

Do not affect approval.

Why Timing Matters at Age 85

Age limits are strict. Once you pass the maximum issue age, coverage may no longer be available at any price.

Waiting can result in:

• Losing eligibility entirely
• Higher premiums
• Fewer coverage options

If you’re 85 today, this may be your final opportunity to secure guaranteed life insurance.

👉 Don’t wait — request your free life insurance quote today while coverage is still available.

Final Answer: Can I Get Life Insurance at 85?

Yes, you can get life insurance at 85, and Mutual of Omaha Guaranteed Acceptance Life Insurance is one of the most trusted options available.

With:

• Guaranteed approval
• No medical exams
• Coverage up to $25,000
• Lifetime protection

This policy gives seniors and families real peace of mind.

✅ Get Your Free Life Insurance Quote Today

• Takes just minutes
• No obligation
• No medical exams
• Coverage available up to age 85

👉 Request your free Mutual of Omaha life insurance quote and lock in coverage today.

Guaranteed Acceptance Life Insurance Quotes

Top Pick – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. Start Here to get a FREE Quote.

Resources:

• Guide to Guaranteed Acceptance Life Insurance
• Tips for Buying Guaranteed Issue Life Insurance
• Guaranteed Issue Life Insurance FAQs
• Pros and Cons of Guaranteed Issue Life Insurance
• A.M. Best Company: Compare financial strength ratings of life insurance companies
• Life Happens.org: Learn about life insurance and review facts.

About Our Methodology

Reviewed By: President of Term Life Online – AU, AAI, ARM

• 30+ years of experience in insurance planning

How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.

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