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Senior Life Insurance

Can seniors over 70 still get life insurance?

Often, yes. Some insurers offer term and whole life policies to applicants in their 70s, and guaranteed issue whole life insurance is often available to around age 80 or 85 with no health questions, depending on the insurer.

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Key details about senior life insurance

Term life becomes less common and pricier at this age, so whole life and final expense policies tend to be the more practical and widely available options for seniors in this range.

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Ask about the maximum issue age, coverage limits, and any waiting period for each policy you consider, since these vary by insurer.

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