Guaranteed Issue Life Insurance at Age 85: Get Approved Today

If you’re 85 years old and wondering whether life insurance is still possible, the answer is Yes. Even at this age, you can still secure coverage—without medical exams, health questions, or risk of denial—through guaranteed issue life insurance.

This page explains how guaranteed issue life insurance works at age 85, what coverage is available, and why Mutual of Omaha Guaranteed Acceptance Life Insurance is one of the most trusted options for seniors.

👉 Check your eligibility and pricing now—request a free life insurance quote with no obligation.

Can You Get Guaranteed Issue Life Insurance at Age 85?

Yes. Guaranteed issue life insurance is specifically designed for seniors age 85, including those with serious health conditions or a history of declined applications.

If you meet the age requirement, approval is automatic.

No matter your health:

• No medical exams
• No health questions
• No prescription checks
• No phone interviews

👉 If you’re 85, you qualify by age alone. Get your free quote today.

What Is Guaranteed Issue Life Insurance?

Guaranteed issue life insurance is a type of permanent (whole life) insurance that offers:

• Guaranteed approval
• Lifetime coverage
• Fixed monthly premiums
• Cash value accumulation

It’s often called final expense insurance because it’s designed to help families cover funeral costs, medical bills, and other end-of-life expenses.

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

One of the most well-known and reliable options for seniors is Mutual of Omaha Guaranteed Acceptance Life Insurance.

Key features:

• Available for ages 45–85 (Ages 45–75 in New York)
• Coverage amounts from $2,000 to $25,000
• Guaranteed acceptance—no health questions
• Level premiums that never increase
• Coverage lasts for life

👉 See how affordable coverage can be at age 85—request your free Mutual of Omaha quote now.

How Much Coverage Can You Get at Age 85?

With guaranteed issue life insurance, coverage is typically used for:

• Funeral and burial expenses
• Cremation or memorial services
• Outstanding medical bills
• Final household expenses
• Leaving a small legacy to loved ones

Most seniors choose between $5,000 and $25,000 depending on budget and needs.

👉 Find the coverage amount that fits your budget—get a free quote in minutes.

How the Waiting Period Works (Important to Know)

Most guaranteed issue policies—including Mutual of Omaha’s—include a graded death benefit period, usually the first 2 years.

What this means:

• If death occurs during the first 2 years from natural causes, beneficiaries typically receive a refund of premiums paid plus interest
• After the waiting period, the full death benefit is paid
• Accidental death is usually covered immediately, even during the waiting period.

👉 A quick quote will explain this clearly—no surprises. Request yours today.

Guaranteed Issue vs. Other Life Insurance at Age 85

Feature             Guaranteed Issue   Simplified Issue       Fully Underwritten

Medical Exam                    No                              No                                   Yes

Health Questions               No                              Yes                                   Yes

Approval                     Guaranteed                Not guaranteed                  Not guaranteed

Best for Age 85                 Yes                            Rare                                   No

For most people age 85, guaranteed issue life insurance is the only reliable option.

Why People Choose Guaranteed Issue Life Insurance at 85

Seniors often choose guaranteed issue coverage because:

• They’ve been declined before
• They have chronic or serious health conditions
• They want simplicity and certainty
• They don’t want to burden family with final expenses
• This type of policy provides peace of mind, knowing everything is handled.

👉 Give your family financial protection—request a free life insurance quote today.

Frequently Asked Questions

1. Is guaranteed issue life insurance expensive at age 85?

Rates are higher than for younger applicants, but coverage is often more affordable than expected—especially for smaller policies designed for final expenses.

2. Can I be denied at age 85?

No. If you meet the age requirement, approval is guaranteed.

3. Does this policy ever expire?

No. Guaranteed issue life insurance is permanent coverage that lasts your entire life as long as premiums are paid.

Final Thoughts: Yes, You Can Still Get Life Insurance at 85

Age 85 doesn’t disqualify you from life insurance. With guaranteed issue life insurance, you can still secure meaningful coverage—without medical exams or health questions.

Mutual of Omaha Guaranteed Acceptance Life Insurance offers trusted, straightforward coverage for seniors who want certainty and peace of mind.

👉 Take the next step now. Request your free life insurance quote and see your options today—fast, simple, and pressure-free.

Guaranteed Issue 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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