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Life Insurance for Seniors Over 80

Many people who are shopping for life insurance are overwhelmed and a bit confused about the different types of coverage available. For younger adults shopping for life insurance, countless options are available, including term life insurance. However, chances are minimal for those looking for the best life insurance over age 80 with no medical exam. So instead, it means that you should learn a little more about the types of life insurance for elderly individuals over 80 so that you’ll know what to look for.

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Life Insurance for Seniors Over 80 Factsbest life insurance for seniors over 80

Will the policy ever expire? – No

The best whole life insurance for seniors over 80 is designed to cover you until the day that you die. Therefore, you do not have to worry about outliving your policy. This is one of the main things many people look for when shopping coverage, whether they are shopping for themselves or looking at their elderly parents over 80.

Is there a waiting period before I am fully covered?

This depends. If you are approved for the standard level based on health questions or conditions, you will be covered from the day you buy your policy. If you work with us, we will help you find a guaranteed policy that does not have a waiting period. However, there might be a waiting period in some cases — such as for much older senior citizens or those with more severe health issues.

What happens if there is a waiting period?

This means that the death benefit will not fully cover you for final expense purposes until you have had the policy for a couple of years. However, if you do happen to pass away during the first year, your beneficiary may get a small percentage of the face value to help with final expense insurance needs, such as 25 percent. If death occurs during the second year, your beneficiary may get 60 percent of the face value. Then, after that, you should be fully covered.

How can I keep costs reasonable?

You can find an affordable policy through a top provider by choosing a smaller face value and comparing your options.

How does Life Insurance for Seniors Over 80 Work?life insurance for elderly parents over 80

  • Find Life Insurance That You Can Afford – The best life insurance for seniors over 80 does not have to be costly.
  • Make Sure Your Funeral is Covered – Funerals are getting increasingly expensive as time goes on. Life insurance can help protect your family from the burden of paying for your funeral.
  • Ensure Your Funeral Expenses are Handled – You may leave behind some bills when you pass away. A life insurance plan can help your family take care of these debts and the funeral costs and relieve the financial burden.
  • Leave Something Behind for Your Family – You may want to leave a little Something behind for your loved ones when you’re gone. The best whole life policy can help you do just that. Even though face values for life insurance for seniors over age 80 often aren’t very high, it can be enough to leave behind a little Something for the people you care about the most.

How Much Does Life Insurance for Seniors Over 80 Cost?

The cost can vary. The state that you live in can affect how much you’ll pay for a life insurance plan. Men and women often pay different rates, and your exact age can have an impact. You will also be asked if you are a tobacco user, which can affect the best premiums.

To help you understand what others are paying in your state, we decided to run the numbers for a female non-smoker in each of these states and at each of these ages. All of the options listed below are from top life insurance companies and are for $10,000 in coverage; this small face amount can also be called burial insurance. They can build small cash value over time. If you want to know exactly how much you will have to pay for a burial insurance plan, we suggest you enter your information on our website. Then, you’ll instantly be shown your options for no exam life insurance for seniors over 80 with accurate life insurance quotes.

Sample quotes:

New York

  • Age 84 – $128.55


  • Age 85 – $135.90


  • Age 85 – $135.90


  • Age 83 – $121.31

Which Companies Offer Life Insurance for Seniors Over 80?



Mutual of Omaha

Colonial Penn


Royal Neighbors of America

How Can You Shop for Life Insurance For Seniors Over 80?

We know how important it is for you to find the best life insurance for elderly individuals over 80 from a company you can trust to help cover your burial expenses. Therefore, we pull quotes from all the top life insurance companies to help you find the best life policy.

Finding life insurance for seniors over 80 can indeed be difficult. However, we have made shopping for life insurance coverage as easy as possible. If you call us, we would be more than happy to talk to you about your options for life insurance for seniors over age 80. Of course, you can also use our website to shop for it all on your own. Either way, we feel confident that we can help you find insurance options you can count on and can afford.