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Term Life Insurance Over 65 years of age

Many people over 65 years of age think obtaining life insurance coverage is not possible. That is not the case. Depending on your health status and lifestyle, you can still get affordable rates on term life insurance.

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If you are over sixty five years of age, probably your best choice is to go with a 10 year term or 15 year level term insurance policy.

As you can understand, obtaining a 30 year term policy at your age might not be possible, or you won't be able to afford it.


Typical Life Insurance Policy Amounts For Age 65 and Over:

Examples of Life Insurance Costs

You may be wondering how much does a typical policy cost for a senior - here are some examples of average level term life insurance premiums for those over sixty five years of age.

Shown: Monthly premiums for a 10 year term policy for a non smoker woman in good health at different ages 65+.

AGE $100,000 $200,000 $300,000 $500,000 $1,000,000
65 years of age $38.25 $66.92 $81.06 $148.80 $287.23
66 years of age $42.59 $73.50 $87.59 $162.46 $315.02
67 years of age $47.77 $80.20 $93.42 $177.62 $345.61
68 years of age $53.42 $87.53 $100.46 $194.63 $378.75
69 years of age $58.05 $96.57 $111.47 $221.45 $428.73
70 years of age $67.60 $107.60 $128.68 $247.05 $480.60
71 years of age $75.43 $118.59 $151.48 $274.08 $532.47
72 years of age $85.55 $132.63 $175.05 $306.90 $597.25
73 years of age $95.67 $151.69 $197.62 $352.89 $688.05
74 years of age $108.25 $170.55 $ 224.46 $398.25 $778.99
75 years of age $115.60 $193.57 $256.47 $454.57 $888.50

Example rates as off 4/7/2018 - your rates will most likely vary. This is just a rough guide. The underwriting company will decide your exact rates.

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If you shop around, most likely, you'll still be able to find an affordable life insurance policy that will cover all your needs.

As a 65 year old senior, you may still be working full time and leading a healthy life full of possibilities. If you are in good health, you should still expect many productive years ahead of you, working and saving money for your loved ones, since people are living much longer lives these days.

Life insurance can safeguard your loved ones from money issues in the event of your death. When you reach age sixty five and over, unfortunately, you start thinking about your own mortality and the real possibility you may not be around much longer. This is the time to think about your immediate family and their financial well being.

My customers often ask me questions like: "Can you buy life insurance after 65 years of age?"; "Can I get life insurance over 65"; "Isn't sixty five and over too old to get life insurance?" - I tell them, NO, people nowadays can get a policy into their eighties. It all depends on your health and if you live a risky lifestyle - you smoke, drink too much, etc.



Are you over 65 years of age or older?
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