Affordable Life Insurance Protection for Your Family

Life Insurance for Elderly People

Are You in Search of Life Insurance for the Elderly?

Life Insurance for Elderly People

If so, you may be wondering where you can find the best life insurance plan, at the best price, to meet your needs, and fit your budget.

Today, almost everyone is eligible for Life Insurance. Regardless of your health condition, tobacco usage, age, or employment, there’s a life insurance plan for you. 

Term life insurance for the elderly provides much needed protection in case the insured person passes away. This insurance can provide flexible terms of coverage to meet your specific needs, and help provide money to pay for your burial and funeral expenses, or provide additional money for your spouse, or other loves ones.

Get a Free Quote for Life Insurance

When choosing a term life insurance policy for the elderly be aware that your coverage will last for a specific number of years, the "Term" of your policy, which may be 5 years, 10 years, 15 years, or longer.

Also, your term life policy does not build cash value inside the policy. You are paying only for life insurance protection. Your life insurance coverage amount would be paid to your beneficiary if you were to pass away during the term of the life insurance policy.

Make sure to ask if your policy is renewable, meaning can you renew your life insurance policy when the term expires.

Also, ask if your life insurance premiums will remain level (the same) each year of your policy. This is considered level term life insurance, where the premiums and the coverage amount remain the same each year of your life insurance policy.

You can request free elderly life insurance quotes that will save you time and money. You can compare the lowest prices from more than 40 of the top life insurance companies, offering you affordable protection.

Get Free Term Life Insurance Quotes for the Elderly


Tips for Buying Term Life Insurance for Elderly


  • Compare Multiple Quotes – Rates may vary by up to 50% or more between companies. Some insurers may charge you hundreds of dollars less per year for your life insurance.
  • Term Options – Choose the term you need coverage for – 5, 10, 15 or 20 years. 
  • Financial Rating – Choose an Insurer rated "A-" Excellent, or better by A.M. Best Company for financial strength.
  • Payment Options – Compare quotes for payment options of monthly, quarterly, and annually. Paying once per year may save you money.
  • Free Look Period - Many life insurance companies provide a 10-30 day money-back guarantee. If you are not satisfied with your life insurance policy you may return it within this time period for a full refund of premiums paid. Make sure to check this out before buying your life insurance policy.

How to Save Money on Life Insurance


There are several tips you can use to help you get more affordable life insurance premiums on your coverage.

  • Compare Rates – You may save up to 50% or more on your premiums by comparing prices among several insurers.
  • Choose Term over Permanent – Permanent life insurance costs up to 5-10 times more than term insurance policies.
  • Annual Premium Payments – Insurers charge an additional processing fee for monthly or quarterly premium payments. Paying premiums once (annually) per year will save you money.
  • Get Healthy – Improve your overall health by eating right, exercising and lowering your cholesterol to qualify for a better rate on life insurance.
  • Quit Smoking – Smokers pay up to 5-10 times more than non-smokers for the same amount of life insurance protection.
  • Lose Weight – People who are obese or overweight pay a higher premium because of the greater risk of developing health problems which could shorten your life expectancy.


Term Life Insurance Quotes for Elderly People


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.


How to Get Guaranteed Issue Elderly Life Insurance


Guaranteed issue life insurance plans for seniors can help pay for costly final expenses. 

United of Omaha Guaranteed Plans provide valuable whole life insurance to help cover final expenses, such as medical bills, burial and funeral costs and unpaid debt.


Guaranteed Life Insurance Benefits


Your Acceptance is Guaranteed

If you are between the ages of 45 and 85 (50-75 in NY), you are guaranteed acceptance regardless of your health history.

There’ s no medical exams to complete and no health questions to answer.


Applying for Guaranteed Life Insurance is Simple

  • Choose the Amount of Coverage You Need from $2,000 to $25,000
  • Request your Free Quote
  • Apply for Your Policy 

Get a Free Quote


Your Guaranteed Issue Whole Life Insurance Policy Builds Cash Value

  • Cash value is money that Mutual of Omaha sets aside for your future.
  • The longer you own your life insurance policy, the more cash value your policy accumulates.
  • You may take a loan from your cash value, if needed.


Learn More About Guaranteed Life Insurance


Are You an Elderly Person in Need of Life Insurance with Guaranteed Approval?

If so, you’ve come to the right place.

Did you know seniors can now purchase their life insurance with guaranteed approval? 

That’s right. 


What is Guaranteed Life Insurance? 

It means you cannot be denied coverage due to any health problem.  

As long as you meet the age requirements, and live in a state where the insurance company is licensed to do business and offers the plan, you can get insured. 

It’s quick and easy, there’s no hassles, no delays. There’s no physical exam needed and you won’t have to answer any questions about your health.  

How does that sound? Pretty good, right? 

So, how much does your guaranteed issue plan cost? It just takes a minute to find out.

Request Your FREE Quote


What are the Benefits of Guaranteed Coverage?

  • Guaranteed Approval Ages 45-85 (50-75 in NY)
  • No Medical Exam
  • No Health Questions Asked
  • Up to $25,000 of Insurance
  • No Delays
  • No Need to Meet with an Agent
  • 30 Day Money-Back Guarantee


Guaranteed Life Insurance FAQs


What Kind of Coverage is Guaranteed Life Insurance?

It’s a whole life insurance policy for adults between 45 and 85 years old. That means, as long as you pay your premiums on time, you will have your life insurance coverage for your entire lifetime.


What are the Age Requirements to Get Insured? 

Coverage is guaranteed for people ages 45 to 85 (50-75 in NY).


How Much Life Insurance with Guaranteed Approval Can I Get? 

It depends on the plan and insurer, but some policies offer from $2,000 up to $25,000 of insurance.

However, if you need more insurance, you may be able to purchase guaranteed life insurance from more than one company.


Will My Premiums Ever Increase? 

No, with Mutual of Omaha Guaranteed Issue Life Insurance, the amount you pay when your coverage begins is the same amount you’ll pay throughout the duration of your policy.  

The only time your premiums may change is if you decide to increase coverage, or you change the frequency of your premium payments.


What Insurance Carriers Offer Guaranteed Policies?

There are several highly-rated insurers now offering guaranteed acceptance plans including:


Can I Get a Policy for My Spouse? 

Yes, you can purchase coverage for yourself, your spouse (or partner), or if you want, you can get plans for both you and your spouse (or partner).


Is There a Money Back Guarantee?

In case you change your mind or you aren’t happy with the life insurance after you purchase your plan, you have up to 30 days to return the policy for a 100% full refund of all the premiums you paid. So, there is no risk to you.


Guaranteed Issue Life Insurance Quotes


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 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.


  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

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End of Life Insurance

Disclosure: Compensated Affiliate