LIFE INSURANCE FOR SENIORS

Life Insurance for
Seniors (65+)

Age should never be a barrier to protecting your family. Asurgo works with carriers who specialize in coverage for adults 65 and older, including no-exam and guaranteed acceptance options.

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No Medical Exam Guaranteed Acceptance Rates from $30/month
Home > Life Insurance For You > Seniors
65+
Eligible Ages
$30/mo
Starting Rates
25+
Carriers Available
24hrs
Coverage Available

COVERAGE FOR AGES 65+

Life Insurance for Seniors

Finding affordable life insurance after 65 can feel overwhelming, but it does not have to be. Many carriers offer simplified issue and guaranteed acceptance policies specifically designed for older adults. These plans do not require a medical exam and can be approved in as little as 24 hours.

The most common coverage type for seniors is final expense insurance, which typically provides $5,000 to $50,000 in whole life coverage. Most plans require no medical exam. This is designed to cover funeral costs, medical bills, and other end-of-life expenses so your family is not left with the financial burden.

Asurgo shops 25+ carriers to find the best rate for your age and health situation. Whether you are 65 or 85, have diabetes, COPD, heart conditions, or other health concerns, we can help you find a plan that fits your budget. For coverage options at ages 75 to 85+, see our dedicated guide for elderly adults. For cost breakdowns by decade, see our 60s cost guide and 70s cost guide.

YOUR OPTIONS

Common Coverage Options for Seniors

Final Expense Insurance

Whole life coverage from $5,000 to $50,000. No medical exam on most plans. Rates locked for life. This is the most popular option for seniors.

Guaranteed Acceptance Life Insurance

Available for ages 50 to 80 with no health questions and no medical exam. Coverage typically starts at $5,000 to $25,000. Premiums are higher because there is no underwriting.

Whole Life Insurance

Permanent coverage that builds cash value over time. Available to seniors who qualify through simplified underwriting.

Term Life Insurance

Affordable coverage for a set period. Some carriers offer term policies to applicants up to age 80, though rates increase significantly after 65.

PRODUCTS

Recommended Products for Seniors

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FINAL EXPENSE

Final Expense Insurance

Coverage for funeral and end-of-life costs so your family is never left with the financial burden. Plans from $5,000 to $50,000 with no medical exam required.

No Medical Exam Ages 45 to 85
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MORTGAGE PROTECTION

Mortgage Protection Insurance

Protect your home if you still carry a mortgage after 65. Your policy helps pay the balance so your family keeps the house.

Term-Matched Same-Day Quotes
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INDEXED UNIVERSAL LIFE

IUL Insurance

Tax-advantaged growth for seniors with existing savings. Build cash value linked to market indexes while maintaining life insurance protection.

Market-Linked Growth 0% Floor
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ANNUITIES

Annuities

Guaranteed retirement income you cannot outlive. Fixed and indexed options from top-rated carriers, designed to supplement your retirement.

Guaranteed Income No Market Risk
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CARRIER PARTNERS

Top Carriers for Seniors

Asurgo works with 25+ top-rated insurance carriers to find you the best coverage at the lowest rate. These carriers specialize in policies for adults 65 and older.

Mutual of Omaha Transamerica Gerber Life Aetna Americo Royal Neighbors AIG Foresters Financial

Carrier availability varies by individual health factors and coverage type.

FREQUENTLY ASKED QUESTIONS

Life Insurance for Seniors FAQ

Can I get life insurance after 65?
Yes. Many carriers offer coverage to applicants up to age 85. Final expense and guaranteed acceptance policies are the most common options for seniors.
Do I need a medical exam?
Not for most senior-focused policies. Final expense and guaranteed acceptance plans use simplified underwriting with health questions only, no exam required.
How much does life insurance cost for seniors?
Most seniors pay between $30 and $100 per month for final expense coverage, depending on age, health, and coverage amount. Guaranteed acceptance plans tend to cost more because there is no underwriting.
What is guaranteed acceptance life insurance?
Guaranteed acceptance is a type of whole life policy that accepts all applicants ages 50 to 80, regardless of health. There are no health questions and no medical exam. Coverage amounts are typically lower and premiums are higher.
Which carrier is best for seniors?
Mutual of Omaha and Transamerica are our top picks for senior coverage. Both offer simplified issue policies with broad health acceptance and competitive rates.

Related Guides

Elderly (75-85+) Diabetics COPD Smokers Cost in Your 60s Cost in Your 70s Cost Over 80 Pre-existing Conditions

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