Turning 70 doesn't close the door on coverage. Here's what's available and how to qualify.
What life insurance can you get over 70?
Over 70, your strongest options are permanent: whole life and final-expense policies that never expire and lock in level premiums. No-exam and simplified-issue policies let you qualify with just a few health questions, while guaranteed-issue accepts everyone regardless of health. Term life is still available from some carriers up to about 75, but with shorter term lengths. For most seniors over 70, final-expense whole life is the practical choice for covering funeral costs and final bills with certainty.
How much does life insurance cost after 70?
Premiums rise with age, so coverage at 70+ costs more than it would have in your 60s — but it's still affordable for smaller, final-expense amounts. Cost depends on your exact age, health, coverage amount, and policy type. A $10,000-$25,000 final-expense policy is common and keeps premiums manageable on a fixed income. We never advertise fake guaranteed rates; real numbers come from comparing carriers. Call 1-800-MEDIGAP for honest estimates from multiple insurers.
Can you qualify over 70 with health problems?
Yes. Guaranteed-issue policies ask no health questions and cannot decline you, making them ideal if you have diabetes, heart disease, or other conditions. Simplified-issue policies ask a few questions but skip the exam and often cost less if you qualify. Many seniors over 70 are surprised they can still get covered. A licensed agent at 1-800-MEDIGAP can tell you which carriers are most likely to approve you and at what price.