Affordable Life Insurance Protection for Your Family

Senior Life Insurance Over 80

Do You Need Life Insurance for Seniors over 80? 


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

Today, it’s quicker and easier than ever before for people over age 80 to get the life insurance protection they need to help pay for the cost of their final expenses, burial and funeral expenses, among other end of life costs.

And, you can get insured without having to answer any health questions.

Discover how affordable life insurance can be for seniors over 80, and how it can fit your personal needs and budget.

The process is simple, request your free quote for life insurance now.

Get a Free Quote


Some Common Reasons Seniors Buy Life Insurance Include:

  • Pay for Final Expenses (Cost of Funeral and Burial Expenses)
  • Provide Funds for Their Spouse or Partner
  • Pay off Mortgage Loan
  • Pay Off Debt 
  • Leave Money to Family Members
  • Pay End of Life Expenses, Including Hospital Bills


Many seniors over age 80 choose guaranteed acceptance life insurance to get the protection they need.

It can help provide peace of mind for you and protect your family from the financial burden of having to pay for your final expenses upon your passing.

In fact, there is a guaranteed approval life insurance plan available for people ages 45 to 85 that allows you to purchase up to $25,000 of life insurance protection.

It’s called Mutual of Omaha guaranteed issue life insurance and it’s easy to get. With Mutual of Omaha you just request a free quote and you can apply for your life insurance policy today.  

If you are a senior age 85 or under, you cannot be turned down for coverage. 

And, there’s no health exam and no health questions asked. 

Even if you have a health condition or chronic health problem, you can get insured.

Mutual of Omaha Life is rated "A+" Superior by AM Best Company for financial strength, which means Mutual of Omaha is a financially secure life insurance company and considered Superior for its ability to meet its financial obligations and pay claims.

Your guaranteed issue life insurance plan comes with a 30-day money-back guarantee so you can get your money back if you are not satisfied with your life insurance policy. 

It’s important to mention that guaranteed life insurance has a graded death benefit the first 2 years you are insured.

A graded death benefit means you have limited life insurance coverage for the first 2 years you are insured, then you have full coverage after the first two years.

That’s how the insurance company is able to accept everyone for life insurance, even if you have health issues.


Senior Life Insurance Explained


Senior Life Insurance Plans provide the security and protection you and your loved ones need, when they need it most. You can help protect your loved ones from the financial burden of paying for your final expenses.

Senior Final Expense Life Insurance (also known as funeral or burial insurance) is a type of life insurance policy providing $2,500-$25,000 of protection, a simple application form and hassle-free underwriting. 

Your life insurance policy death benefit is paid to your beneficiary of choice tax-free. You can choose the amount of coverage that is right for you.

Final expenses coverage can help you provide your loved ones with the money needed to help pay for your burial, funeral, headstone, memorial service, and any other final costs associated with your passing.

According to the 2021 funeral price survey by the National Funeral Directors Association, the average cost of an adult funeral is $7,848.00. This is based on the most commonly selected items for a traditional funeral including a casket and vault. 


What is Guaranteed Acceptance Life Insurance?

It’s simple. It is a type of permanent life insurance that guarantees your approval for coverage. 

It just means you cannot be denied a policy if you meet the age requirements. And, your insurance lasts your entire lifetime.

There's no health exam required and you won't have to answer any questions about your health.


What are the Age Requirements for Approval?

It depends on the insurance company. Mutual of Omaha offers guaranteed approval for people ages 45 to 85 (50-75 in NY). 


How Much Insurance Coverage Can I Buy?

With United of Omaha you may choose from $2,000 up to $25,000 of life insurance.


How Much Does Guaranteed Coverage Cost?

The cost of life insurance for someone over 80 will depend on your gender and the amount of insurance you need. However, rates for guaranteed life insurance start as low as $8.84 per month. Request your free life insurance quote.


Can I Buy Life Insurance for My Spouse?

Yes. You may buy life insurance for yourself, you spouse, or both of you.


What If I Change My Mind?

With Mutual of Omaha there’s a 30-day money-back guarantee. So, if you decide you are not satisfied with your policy you can return it to the insurance company within 30 days of your purchase and receive a full refund of all premiums paid. There is absolutely no risk to you.


Can the Insurer Cancel My Life Insurance If My Health Changes?

No. The insurance company cannot cancel your life insurance if your health changes after you purchase your policy.

The only way they can cancel your insurance is if you stop paying your premiums, or you contact the insurer and request that they cancel your coverage.


Senior 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.


Senior No Exam Life Insurance

Senior Life Insurance over 80

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Disclosure: Compensated Affiliate