Rates Increase Every Year
Life Insurance for Seniors & Pre-Retirees
Every year you wait, premiums increase. Lock in today’s rate while you still qualify for the
best coverage.
Senior Life Insurance Cost by Age
Monthly cost for $250,000 coverage
Age
Term Life
Whole Life
50
$62/mo
$285/mo
55
$110/mo
$380/mo
60
$175/mo
$520/mo
65
$290/mo
$710/mo
70
$480/mo
$1050/mo
Get Your Senior Coverage Quote
Senior Insurance Specialists
P
Patricia Lane
18 Years Experience
Senior Coverage, Final Expense
M
Michael Torres
22 Years Experience
Retirement Planning, Estate Protection
S
Susan Clarke
16 Years Experience
Pre-Retiree Coverage, No-Exam Policies
Senior Insurance Specialists
How Seniors Can Maximize Coverage Affordably
After 50, life insurance becomes more expensive — but smart strategies can help you get the most coverage for your budget:
Compare multiple carriers — rates can vary 30-50% between providers for the same coverage.
Consider a 10-year term — shorter terms keep premiums lower while covering your remaining obligations.
Look into no-exam policies — approval is faster and easier, especially if you have health conditions.
Don’t over-insure — calculate your actual needs (debts, final expenses, spousal income) rather than guessing.
What Our Clients Say
Join thousands of families who found affordable coverage
“I was paying $89/month. After comparing quotes here, I found the same coverage for $42/month. The process took less than 5 minutes.”
Sarah M.
Austin, TX
“As a father of three, I needed to make sure my family was protected. The quiz helped me understand exactly how much coverage I needed.”
James R.
Chicago, IL
“I’d been putting off getting life insurance for years. This made it so easy — no medical exam required for my policy!”
Linda K.
Phoenix, AZ
Senior Life Insurance FAQ
Yes. Many carriers offer coverage up to age 85. Premiums are higher, but guaranteed-issue and simplified-issue policies make approval easier for seniors.
It can be — especially for covering final expenses, leaving a legacy, or replacing a pension for a surviving spouse.
Final expense (or burial insurance) is a small whole life policy ($5K-$25K) designed to cover funeral costs, medical bills, and other end-of-life expenses.
Not necessarily. Many senior-focused policies offer no-exam or simplified underwriting, though taking an exam may qualify you for lower rates.
