Over 70 Life Insurance: Affordable Coverage Options for Seniors

If you’re over 70 and wondering whether life insurance is still available—or affordable—you’re not alone.

Many seniors assume they’ve missed their chance. The truth is, over 70 life insurance options are widely available, and many require no medical exam.

Whether you want to cover final expenses, protect loved ones, or leave a legacy, this guide explains how life insurance works after 70, what policies are available, and how to secure coverage today.

Can You Get Life Insurance Over 70?

Yes. Life insurance for people over 70 is absolutely possible. In fact, many insurers specialize in senior coverage with simplified applications and fast approvals.

Most policies available after 70 focus on:

• Final expenses
• Funeral and burial costs
• Outstanding medical bills
• Leaving money to family or charity

Even applicants in their 70s and early 80s can often qualify.

👉 See which over-70 life insurance options you qualify for—request a free quote now.

Why Buy Life Insurance After 70?

1. Protect Loved Ones From Final Expenses

Funeral and burial costs commonly exceed $10,000. Life insurance ensures your family doesn’t face unexpected financial stress during a difficult time.

A modest policy can:

• Cover funeral services
• Pay burial or cremation costs
• Handle medical or legal expenses

👉 Get peace of mind today with an affordable over-70 life insurance quote.

2. Avoid Using Savings or Burdening Family

Without life insurance, families often rely on savings, credit cards, or fundraising to cover expenses. Life insurance keeps your retirement funds intact and preserves financial dignity.

💡 Life insurance lets you plan ahead—on your terms.

3. Leave a Small Legacy

Many seniors choose life insurance to leave money behind for:

• Children or grandchildren
• A spouse or partner
• Charitable causes

Final gifts or wishes

Even a $10,000–$25,000 policy can make a meaningful difference.

👉 See how easy it is to leave a legacy—get a free quote today.

Best Types of Life Insurance for People Over 70

Final Expense Life Insurance (Most Popular)

Final expense insurance is specifically designed for seniors.

Key benefits:

• Coverage amounts typically $5,000–$25,000
• No medical exam required
• Fixed monthly premiums
• Lifetime coverage
• Fast approvals

This is the most common and accessible form of over 70 life insurance.

👉 Check final expense rates for your age—free quote in minutes.

Guaranteed Issue Life Insurance

Guaranteed issue policies accept applicants regardless of health.

What to know:

• No health questions
• Guaranteed approval (usually ages 50–85)
• Lower coverage amounts
• Higher premiums
• Graded death benefits in early years
• This option is ideal for seniors with serious health conditions.

👉 Even if you’ve been declined before, you may still qualify—request a free quote.

Term Life Insurance Over 70 (Limited Availability)

Some insurers offer short-term policies to seniors in their early 70s.

Important notes:

• Limited age eligibility
• Higher premiums
• Coverage expires after term ends

Most seniors prefer permanent policies for lifelong protection.

How Much Does Over 70 Life Insurance Cost?

Costs vary based on:

• Age
• Gender
• Health
• Coverage amount
• Policy type

However, many seniors are surprised to learn that basic final expense policies can be very affordable, even on a fixed income.

💡 Premiums are locked in and never increase once approved.

👉 See exact pricing for your age with a free, no-obligation quote.

How to Qualify for Life Insurance Over 70

Qualifying is often easier than expected. Many policies feature:

• Short applications
• No medical exams
• Simple health questions

Approval in days—or even same day

Some policies are issued immediately, while others may include a short waiting period.

👉 Find out what you qualify for today—start your free quote now.

Common Questions About Over 70 Life Insurance

1. Is it too late to buy life insurance at 70 or older?

No. Many carriers accept applicants well into their 70s and 80s.

2. Will my premium increase as I age?

No. Most senior life insurance policies have fixed premiums for life.

3. Do I need a medical exam?

Most over-70 policies do not require a medical exam.

4. Can I name any beneficiary?

Yes. You can choose a family member, trust, or charity.

When Is the Best Time to Apply?

The best time is now. Each year you wait can limit options and increase costs. Applying sooner gives you more choices and better rates.

⏳ Waiting rarely helps—planning ahead does.

👉 Request your free over-70 life insurance quote today.

Final Thoughts: Over 70 Life Insurance Is Still Within Reach

Life insurance after 70 isn’t about large policies—it’s about peace of mind. With the right coverage, you can protect your family, preserve your savings, and handle final expenses responsibly.

Coverage is available. Approval is possible. And getting started is easier than you think.

Take the Next Step Today

✔ No medical exam options
✔ Fixed monthly premiums
✔ Fast, simple approval

👉 Request your free life insurance quote now and secure coverage after 70 with confidence.

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:

• 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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