If you’re over 60 and wondering if it’s too late to get life insurance, good news: you absolutely can.
And it might be more affordable than you think.
🙌 You Have More Options Than Ever
Depending on your health, you may qualify for:
- Term life insurance (10–15 years)
- Final expense insurance (permanent, no exam)
- Guaranteed issue policies (for those with health concerns)
🤝 Best Companies for Seniors Over 60:
- Mutual of Omaha — known for final expense
- Transamerica — senior-friendly term policies
- AIG — strong guaranteed issue options
- Ethos — fast, simple underwriting even over 65
💸 How Much Does It Cost?
It depends on:
- Age
- Health
- Type of policy
- Coverage amount
A $10,000 final expense policy for a 65-year-old could be as low as $30–60/month.
🚀 Tips to Get Covered Fast:
- Apply early (rates go up every year)
- Go no-exam if your health isn’t perfect
- Choose the policy type that fits your goal (burial vs income)
📈 Final Word:
Being over 60 doesn’t mean it’s too late. Whether you want to protect your loved ones from final expenses or leave a legacy, there are policies built for you. How to get cheap insurance in 2025.