Life Insurance Quotes Over 60: Affordable Coverage Options That Still Make Sense
Last Updated: February 6, 2026 | Written by President of Term Life Online – AU, AAI, ARM
If you’re over 60 and wondering whether life insurance is still affordable—or even available—you’re not alone.
The good news? Getting life insurance quotes over 60 is absolutely possible, and for many people, it’s far more affordable than expected.
Whether you want to cover final expenses, protect your spouse, or leave a financial gift for your family, the right policy can give you peace of mind without draining your retirement savings.
👉 Compare life insurance quotes over 60 today and see how affordable coverage can be.
Get your free quote in minutes.
Can You Get Life Insurance After Age 60?
Yes—many reputable life insurance companies actively insure applicants in their 60s, 70s, and even 80s. Age alone does not disqualify you.
What matters most is:
- Your overall health
- Whether you use tobacco
- The type of policy you choose
- How much coverage you need
In fact, some insurers specialize in coverage for older adults and retirees.
👉 Request a free life insurance quote over 60 now—no obligation, no pressure.
Best Types of Life Insurance for People Over 60
Choosing the right type of policy is the key to getting affordable rates later in life.
Term Life Insurance Over 60
- Coverage for 10–20 years
- Lower monthly premiums
- Ideal for income replacement or temporary needs
Term life can be a smart option if you’re healthy and want the most coverage for the lowest cost.
👉 See term life insurance quotes over 60 instantly—compare top companies for free.
Whole Life Insurance Over 60
- Lifetime coverage
- Fixed premiums
- Builds cash value
Whole life is popular for estate planning and guaranteed payouts.
Final Expense (Burial) Insurance
- Smaller policies (typically $5,000–$25,000)
- Easier approval
- Designed to cover funeral and medical costs
Perfect if your main goal is protecting loved ones from end-of-life expenses.
👉 Get a free final expense life insurance quote over 60 in minutes.
How Much Does Life Insurance Cost Over 60?
Life insurance rates increase with age—but they’re often lower than people expect, especially if you’re in decent health.
Factors that affect your quote include:
- Age and gender
- Health history
- Tobacco use
- Medications
- Coverage amount
- Policy type
Many people in their early 60s qualify for competitive rates with no medical exam required.
👉 Find out your exact rate—get personalized life insurance quotes over 60 today.
No Medical Exam Life Insurance Quotes Over 60
Don’t want labs, needles, or doctor visits? You’re not alone.
Many carriers now offer:
- No medical exam policies
- Fast online approval
- Simplified health questions
This makes it easier than ever to get covered—sometimes the same day you apply.
👉 Check no-exam life insurance quotes over 60 now—fast, private, and free.
How to Get the Best Life Insurance Quotes Over 60
Follow these tips to lock in the best possible rate:
- Compare multiple insurance companies
- Apply sooner rather than later
- Be honest on your application
- Choose coverage that fits your actual needs
Working with multiple carriers ensures you don’t overpay.
👉 Compare top life insurance quotes over 60 side-by-side—start with a free quote.
Why Getting Quotes Matters More After 60
Rates can vary dramatically between companies—sometimes by hundreds of dollars per year for the same coverage.
That’s why comparing quotes is essential, especially later in life.
👉 Don’t guess—get accurate life insurance quotes over 60 today at no cost.
Get Your Free Life Insurance Quote Over 60
You’ve worked hard to build your life. The right life insurance policy helps protect the people you care about—without unnecessary stress or expense.
✔ No obligation
✔ Secure and private
✔ Takes just a few minutes
👉 Get your free life insurance quote over 60 now and see your best options instantly.
Compare Life Insurance Quotes
Top Pick – JRC Insurance Group
JRC Insurance Group helps you shop, compare and save on life insurance protection. Regardless of your age or health background, we'll shop our 63 top life 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.
Highly Recommended – 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:
- Cheapest Life Insurance for People 60 and Over
- Term Life Insurance for People Over 60
- Life Insurance Over 60 with No Medical Exam
- Learn How a Term Life Insurance Policy Works
- Compare Term Life vs. Whole Life Insurance
- Learn About Guaranteed Acceptance 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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Disclaimer: This is for informational purposes only. Consult a licensed professional for advice.
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