Life Insurance Over 60 & 65: Complete Guide 2026

Compare your life insurance options after age 60 and learn how coverage, pricing, and eligibility change as you get older.

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98%
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100,110
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20yr
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Understanding Your Options

Is It Harder to Get Life Insurance After 60?

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Life Insurance at Every Stage

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Life Insurance Over 60

More carrier options
Lower premiums
Easier underwriting

Life Insurance Over 65

More health questions
Premiums begin increasing faster
Permanent coverage becomes more attractive

Life Insurance for Seniors

Coverage still available
Focus on protecting loved ones
Policies can help with legacy and final expenses

Recently Retired

A 62-year-old wants to replace employer life insurance after retiring.

Protecting a Spouse

A 67-year-old purchases permanent coverage so their spouse isn’t left with financial stress.

Leaving a Legacy

A retired couple wants to leave money to children and grandchildren while covering future expenses.

Over 60
Over 60
Seniors +70

Lowest premiums

Moderate premiums

Highest premiums

More policy choices

Fewer options

Limited underwriting

Easier approval

More medical questions

Simplified issue may be available

Best time to buy

Still a good time

Buy sooner rather than later
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What You Need to Know about Life Insurance in every stage

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Rates Increase With Age

Every year you wait may reduce your options and increase your premium.

Your Health Matters

Conditions like diabetes or high blood pressure don’t automatically disqualify you.

Compare Multiple Companies

Every insurer has different underwriting guidelines, making comparisons essential.

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70%
of Americans age 65 and older will need some form of long-term care during their lifetime.
98%
Adults turning 65 today are expected to live nearly two more decades on average, increasing the need for long-term financial planning.
100%
Buying life insurance in your early 60s can result in noticeably lower premiums than waiting until your late 60s or 70s.

Frequently Asked Questions

Find answers to commonly asked questions about our products and services.

  • Is a medical exam required after age 65?

    Not always. Some policies require a medical exam, while others offer simplified or no-exam options depending on your age, health, and the amount of coverage you’re applying for.

  • How much life insurance do seniors really need?

    The right amount depends on your financial goals. Some seniors only want enough to cover final expenses, while others want to replace income, leave an inheritance, or help protect their spouse.

  • What happens if I lose my employer’s life insurance when I retire?

    Employer-sponsored life insurance usually ends when you leave your job. Purchasing an individual policy before or shortly after retirement can help ensure you continue to have the coverage you need.

  • Is term life or permanent life better after 60?

    Both can be good choices. Term life is usually more affordable for temporary needs, while permanent life insurance offers lifelong protection and may be a better fit for long-term financial or legacy planning.

  • What’s the best type of life insurance after retirement?

    It depends on your goals. Some retirees prefer affordable term life insurance, while others choose Whole Life or Guaranteed Universal Life for lifelong protection and estate planning.

  • Is 65 too old to buy life insurance?

    Not at all. Many insurance companies offer coverage well beyond age 65. While premiums are generally higher than they are at younger ages, it’s still possible to find affordable policies that fit your needs.