At 75 and beyond, permanent coverage is your best path. Here's what's available and how to qualify.
What are your options at 75 and older?
Over 75, your best 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 a few health questions, while guaranteed-issue accepts everyone regardless of health. Term life is increasingly hard to find past 75 and, when available, comes in short lengths. For most seniors at this age, a final-expense whole life policy is the practical way to cover funeral and end-of-life costs with certainty.
How much does coverage cost over 75?
Premiums rise with age, so coverage at 75+ costs more than in your 60s, but smaller final-expense amounts stay affordable. Your exact cost depends on age, health, coverage amount, and policy type. A $10,000-$25,000 policy is common and keeps premiums manageable on a fixed income. We never publish fake guaranteed rates — real pricing comes from comparing carriers. Call 1-800-MEDIGAP for honest, side-by-side estimates tailored to your situation.
Can you qualify over 75 with health conditions?
Yes. Guaranteed-issue policies ask no health questions and cannot decline you, so conditions like diabetes, heart disease, or cancer history don't block coverage. Simplified-issue policies ask a few questions but skip the exam and often cost less if you qualify. Many seniors over 75 don't realize coverage is still within reach. A licensed agent at 1-800-MEDIGAP can identify which carriers are most likely to approve you and at what price.