Insurance Services

Life Insurance Over 70 Years of Age

Getting a life insurance policy when you are in your seventies is not as easy as when you were in your fifties, but it's still possible, and it still can be affordable.

CLICK HERE for your life insurance quote in your seventies!

Seniors over 70 looking for life insurance If you are 70 years old or older, probably, your best bet is to try getting a 10 year term policy, or even a 15 year.

It's obvious that obtaining a 30 year term policy at your age might not be possible, or it will be cost prohibitive.

The best thing to do is to complete an online form so you can get in touch with a life insurance specialist that will guide you through the process of getting the best and cheapest policy for your specific case.

Click on one of the amounts you're looking for to start the process. Don't worry, you can always choose a different amount - it's just a starting point.


Typical Life Insurance Policy Amounts For Age 70 and Over:

Examples of Life Insurance Costs For Those Over Age 70

You may be wondering how much a typical life insurance policy costs for seniors in their seventies- here are some examples of average level term life insurance premiums for those seventy years of age. Some options are still fairly cheap and affordable.

Shown: Monthly premiums for a 10 year term policy for a non smoker female in fair health.

AGE $25,000 $50,000 $100,000 $200,000 $300,000 $500,000
70 year old female $57.53 $60.20 $68.25 $107.24 $128.58 $247.15
71 year old female $65.63 $64.75 $75.54 $118.58 $151.98 $274.18
72 year old female $73.32 $68.72 $85.75 $132.64 $176.10 $306.72
73 year old female $81.35 $75.75 $95.87 $152.11 $197.62 $352.75
74 year old female $89.62 $84.12 $108.25 $170.75 $ 224.56 $399.10
75 year old female $97.28 $92.65 $116.23 $193.67 $256.68 $454.55

Example rates as off 11/12/2020 - your average rates will most likely be different. The underwriting insurance company will decide your exact costs.

We don't show rates for those seniors, 76, 77, 78, and 79 years old. The life insurance specialist will be able to quote you these rates.

Compare Rates If You are In Your 70s!


The best way to get the cheapest rates on life insurance is to compare rates from a few companies. Even if the rates won't vary a lot, some companies are more friendly towards some health issues and lifestyle options.

For example, if you are an occasional cigar smoker, some companies have low cost policies for that. Another example, some insurers are more prone than others to insure people with diabetes.

As a senior in your 70s, you may still be leading a healthy and active life. If you are not overweight, don't have any major health problems, don't smoke, don't drink excessively, your chances of getting approved for life insurance coverage and getting cheap rates go up a lot.

Remember, life insurance is not for you, it's for your loved ones. When you reach your seventies, unfortunately, the prospects of you dying start to materialize and you start thinking about your own mortality. This is the time to think about your immediate family and if they will be unnecessarily financially burdened if you die.

You may still owe a mortgage or have personal loans. You also have to think about the costs of a funeral and burial. These could be around $20,000.

Don't be one of those parents that leaves their children with your bills for them to pay.

Compare 70s Life Insurance Prices Now!

Common Questions About Getting Life Insurance If Over 70 Years Old

Can You Get Life Insurance After Age 70?

You've probably heard that you cannot get life insurance in your seventies - this is not true. It will be more difficult and won't be cheap, but you still can get it your health and lifestyle is within the life insurance parameters.

Can I Get Life Insurance At Age 75?

Yes, it's still possible. But, it will depend a lot on your health and lifestyle - do you smoke, drink, partake in dangerous activities, are overweight, etc.

What If My Life Insurance Policy Is Denied?

You could always apply for a guaranteed acceptance life insurance policy.
This type of policy will cost more and will not offer a high death benefit, but pretty much anyone can get it.

Which Life Insurance Is Best For Seniors?

If you can get a term life ins policy, you will pay less and will have a higher coverage amount. Getting a whole life insurance policy may not be possible, other than a small-benefit no-medical policy.


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