Can Seniors Get No Exam Life Insurance?
Yes — seniors have several no-exam life insurance options. The best choice depends on your age, health, and what you want the policy to accomplish. Whether you want final expense coverage, mortgage protection, or a policy to leave an inheritance, there's a product designed for you.
Coverage Options for Seniors
Term Life Insurance
Ages 50–70✓ Pros
Highest coverage amounts at the lowest cost. No exam available for qualified applicants.
✗ Cons
Coverage expires at end of term. Rates increase significantly with age.
Best For
Seniors still carrying a mortgage, supporting dependents, or with outstanding debts.
Guaranteed Issue Whole Life
Ages 50–85✓ Pros
No exam, no health questions. Guaranteed acceptance.
✗ Cons
Lower coverage amounts (typically $5,000–$25,000). Two-year waiting period.
Best For
Final expense and burial costs. Ideal if you have health conditions that may disqualify you from other coverage.
Simplified Issue Whole Life
Ages 50–80✓ Pros
No exam required. Quick approval. Higher coverage than guaranteed issue.
✗ Cons
Requires answering health questions. May be declined based on answers.
Best For
Seniors in reasonably good health who want permanent coverage without a medical exam.
AARP / Association Life Insurance
Ages 50–80✓ Pros
Member discounts. No exam. Trusted brand.
✗ Cons
Premiums increase with age. Lower maximum coverage.
Best For
AARP members who want convenient coverage from a familiar provider.
Sample Rates for Seniors
Term life insurance rates by age for a healthy non-smoking male:
$18/mo
Age 50
$100K, 10-yr
$26/mo
Age 55
$100K, 10-yr
$38/mo
Age 60
$100K, 10-yr
$58/mo
Age 65
$100K, 10-yr
$88/mo
Age 70
$100K, 10-yr
See full rate charts: Age 50 · Age 55 · Age 60 · Age 65 · Age 70
Get Your Senior Life Insurance Quote
Compare options online or speak with a licensed agent who specializes in senior coverage.