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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.

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Examples of Life Insurance Costs

You may be wondering how much will a typical policy cost, so, 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 $38.10 $66.92 $81.06 $148.80 $287.10
66 years of age $42.59 $73.53 $87.59 $162.31 $315.00
67 years of age $47.77 $80.05 $93.32 $177.62 $345.61
68 years of age $53.32 $87.53 $100.47 $194.25 $379.75
69 years of age $59.02 $96.57 $111.48 $221.40 $429.75
70 years of age $67.20 $107.20 $128.25 $247.05 $480.20
71 years of age $75.33 $118.53 $151.38 $274.05 $532.35
72 years of age $85.50 $132.21 $175.05 $306.90 $597.15
73 years of age $95.67 $151.29 $197.22 $352.83 $688.05
74 years of age $108.15 $170.55 $ 224.46 $399.15 $778.95
75 years of age $115.60 $193.59 $256.31 $454.50 $888.50

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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.

At 65, you may still be working full time and leading a healthy life full of possibilities. 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. Insurance can safeguard your loved ones from money issues in any unforeseen event.

My customers are known to ask me: "Can you buy life insurance after 65 years of age?", "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.

 

 

Are you over 65 years of age or older?
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