Affordable Life Insurance Protection for Your Family

Guaranteed Life Insurance for Seniors over 75

How to Get Guaranteed Issue Life Insurance for People over 75


Are You Over Age 75 and Need Life Insurance?


Today, there are several highly-rated life insurance carriers that offer life insurance for high risk people with health problems.


You can shop for coverage, compare plans and pricing online.


Although many insurance carriers do not insure people over age seventy-five with serious health issues due to the high risk of someone being insured and then not having a long-life expectancy, there are insurance policies called "Guaranteed Acceptance" life insurance that offer guaranteed approval for seniors who meet the age requirements.


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.


If you are over 75 you may be in need of life insurance to help provide for your family, or maybe to plan for your future end of life final expenses.


It can be difficult finding the insurance you need if you are ill. Many lifer insurers may not want to insure someone with health issues, or the cost may be very expensive, well beyond your budget.


Guaranteed approval life insurance plans accept anyone for life insurance that meets the age requirements because they provide limited death benefits (graded benefits) the first 2 years you are insured. After that, you have 100% full coverage.


Why Should I Buy Life Insurance After Age 75?


Many seniors lover 75 buy life insurance coverage to help with the cost of their final expenses, including funeral and burial costs.


If you buy life insurance you can name yours spouse or children as beneficiaries of your life insurance policy.


Your beneficiary can use the money from your life insurance death benefit payout to pay for your burial, funeral, casket, memorial service and other final expenses. Or they may choose to use the money however they see fit. It’s up to them how they use the money from your life insurance policy.


Guaranteed Issue Life Insurance for Seniors over 75


There are several benefits to purchasing life insurance with guaranteed approval, including the following:

  • No Physical Exam Required
  • No Health Questions Asked
  • Guaranteed Acceptance for Ages 45-85


Benefits of No Exam Life Insurance for People over 75


With guaranteed acceptance no exam life insurance, you won’t have to deal with the hassle of a doctor’s visit, blood and/or urine testing, or the stress of waiting to find out if you are accepted for coverage.


Guaranteed Issue no exam policies make it quick and easy for you to get the life insurance protection you need without any delays or hassles.


You can start by requesting a free quote for each of your parents through United of Omaha, which is rated A+ Superior for financial strength by AM Best Company.


Your life insurance through United of Omaha comes with a 60-day risk-free, money-back guarantee.


Factors to Consider When Buying Life Insurance 

for Seniors over Age 75


  • Age – People Age 45 to 85 may qualify for a guaranteed issue plan.
  • Amount of Coverage – Purchase from $3,000 up to $25,000 of life insurance.
  • Carriers – Some of the leading guaranteed issue insurance companies include United of Omaha, Metlife, AARP/NewYork Life and Colonial Penn.
  • Graded Benefits – There is limited coverage the first 2 years you are insured, then you have full coverage.
  • Level Premiums – Premiums are guaranteed never to increase.
  • Level Benefits – Life insurance death benefit is guaranteed never to decrease.
  • Permanent Protection – Guaranteed Lifetime protection.
  • Cash Value – Builds cash value inside the policy, from which you may take a loan.


No matter what type of illness you have, if you meet the age requirements, you may purchase guaranteed acceptance life insurance.


Leading Illnesses for Seniors Over 75 in America


Top 10 Diseases of the Elderly Americans


  1. Parkinson’s Disease
  2. Alzheimer’s Disease
  3. Depression
  4. COPD
  5. Osteoporosis
  6. Heart Disease
  7. Diabetes
  8. Hypertension
  9. Arthritis
  10. Hearing Impairments


Common Reasons Seniors Over 75 Are

Turned Down for Life Insurance


If you have parents over 75 years old, they may have already applied for life insurance and been turned down due to their health.


There are many common health reasons people over 75 are denied coverage, including:

  • Obesity
  • Cancer
  • COPD
  • Alzheimer’s
  • Emphysema


Common Reasons To Purchase Life Insurance Over 75


  • To cover cost of their final expenses
  • To replace your parent’s income for the family
  • To provide for your surviving parent’s retirement
  • To pay off debt
  • To pay off mortgage loan
  • To provide for your child or grandchild’s education


Whole Life Guaranteed Approval Life Insurance Provides:


  • From $3,000 up to $25,000 of Life Insurance Protection
  • Guaranteed Approval for People Age 45 to 85
  • No Medical Exam and No Health Questions Asked
  • No Decrease in Life Insurance Benefits
  • No Increase in Premiums
  • Builds Cash Value You Can Borrow Against


About United of Omaha Life Insurance Company


United of Omaha has been issuing life insurance policies in America since 1926.

United of Omaha Life Insurance Company is rated "A+" (Superior) as of 7/2013 by A.M. Best Company for financial strength and ability to meet ongoing obligations to policyholders*.

There is no better time than now to help secure the future for your loved ones.


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.


Guaranteed Life Insurance for Seniors over 75

Life Insurance No Medical Exam or Questions


Disclosure: Compensated Affiliate