Life Insurance Quotes Over 70: Affordable Coverage Options That Still Make Sense

Finding life insurance quotes over 70 may feel overwhelming—but the good news is this:coverage is still available, affordable, and easier than most people expect.

Whether you’re looking to cover final expenses, protect your family, or leave a legacy, there are life insurance options designed specifically for people in their 70s and beyond.

This guide breaks down how life insurance works after age 70, what it costs, which policies make sense, and how to get the best quote today—without pressure or confusion.

Can You Get Life Insurance Over Age 70?

Yes—absolutely. Many top-rated insurance companies offer policies for applicants aged 70, 75, 80, and even 85+. While traditional term life insurance becomes limited with age, several other options are widely available and very popular among seniors.

The key is choosing the right type of policy for your age, health, and goals.

👉 Check what you qualify for today. A free life insurance quote can show you options you didn’t know existed.

Best Types of Life Insurance Quotes Over 70

1. Final Expense Life Insurance (Most Popular)

Final expense insurance is specifically designed for seniors and is often the best choice for people over 70.

Why it works well:

• Coverage amounts typically range from $5,000–$25,000
• No medical exam required
• Approval is fast—often same day
• Premiums never increase
• Covers funeral costs, medical bills, and small debts

👉 Get a free final expense quote today and lock in lifetime coverage while rates are still reasonable.

2. Guaranteed Issue Life Insurance

If you have serious health conditions, guaranteed issue life insurance may be an option.

What to know:

• No health questions
• Acceptance is guaranteed (usually ages 50–85)
• Higher premiums
• Lower coverage amounts
• Typically includes a graded benefit period

This is often a last-resort option, but it ensures coverage when others won’t.

👉 See if you qualify for better options first. 

Request a free life insurance quote before settling for guaranteed issue.

3. Whole Life Insurance for Seniors

Whole life insurance offers lifetime protection with fixed premiums and can be available into your 70s.

Benefits include:

• Coverage never expires
• Cash value growth
• Predictable costs
• Can be used for legacy planning

👉 Compare whole life insurance quotes over 70 and see if it fits your long-term goals.

How Much Does Life Insurance Cost Over 70?

While rates increase with age, life insurance over 70 is often more affordable than people expect, especially for final expense policies.

Typical monthly costs may range from:

• $40–$75 for smaller policies
• $75–$150+ for higher coverage amounts

Your actual rate depends on:

• Age
• Gender
• Health history
• Tobacco use
• Type of policy
• Coverage amount

👉 Rates vary widely by company. 

The fastest way to save is to compare free life insurance quotes side by side.

How to Get the Best Life Insurance Quotes Over 70

Here’s how smart shoppers find affordable coverage after 70:

1. Choose the right policy type (final expense vs. guaranteed issue)
2. Avoid unnecessary medical exams
3. Compare multiple insurers, not just one
4. Apply sooner rather than later—rates increase every year

👉 Don’t guess. Get a free, no-obligation life insurance quote and see your real options instantly.

Why Compare Life Insurance Quotes Instead of Buying Direct?

Buying directly from one insurance company limits your options.

Comparing quotes allows you to:

• Find the lowest available rate
• Avoid overpriced policies
• Match coverage to your exact needs
• Work with top-rated carriers that specialize in seniors

👉 One quick form gives you access to multiple companies. 

Request your free life insurance quote now—no pressure, no obligation.

Frequently Asked Questions About Life Insurance Over 70

1. Is life insurance worth it at 70+?

Yes—especially for covering funeral costs, protecting loved ones from expenses, or leaving a financial gift.

2. Do I need a medical exam?

Most senior policies do not require a medical exam.

3. How long does approval take?

Many policies offer same-day or next-day approval.

Get Your Free Life Insurance Quote Over 70 Today

If you’re over 70 and wondering whether life insurance is still an option—the answer is yes.

And with the right policy, it can be simple, affordable, and stress-free.

👉 Request your free life insurance quote now

👉 Compare senior-friendly options in minutes

👉 No obligation. No pressure. Just real answers.

The sooner you compare, the more options you’ll have—and the more you’ll save.

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 – 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

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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