Life & Burial Insurance For Seniors Over 80 Does Exist. Here Are The Facts.
Posted in Burial Insurance Cost last updated on December 15, 2019
Yes life insurance for senior citizens over 80 does exist.
In fact, coverage with no waiting period is still possible even at this age.
In this guide, we’ll lay out all your options, low cost companies, quotes, how to qualify and explain the application process.
Article Quick Navigation Links
- Policy Options
- Coverage Limits
- Age 80-89 Quotes
- How To Get No Waiting Period
- Low Cost Companies
- Over Age 85 Options
- Offers Over 80 To Avoid
- Getting The Best Plan Over 80
- The Cost Of A Funeral
- How To Apply
- FAQs
For Life Insurance For Seniors Over 80 There Is Only 1 Option
First and foremost, yes life insurance for seniors over 80 does exist.
As you may or may not know, the term “life insurance” is very broad. There are many different types.
Here’s the truth.
Whole life coverage is the only type of life insurance for people over 80.
After age 80, it’s all whole life no matter what company you’re dealing with. If you read or hear otherwise (some websites will falsely claim other types exist), you are being lied to.
Here’s how an over 80 life policy will work:
- Premiums are fixed and cannot increase
- Coverage guaranteed to never decrease
- Policy can’t expire due to age
- Builds cash value that you may borrow from
Since it’s life insurance, the end result will be a tax free cash payment directly to your beneficiary(s).
Technically the money can be used for anything. There are absolutely no restrictions how the money is spent.
Paying for a funeral? Great great because no funeral home will refuse cash.
Paying off a bill of some kind? Great because no debtor will refuse cash.
We think you get the point by now. Cash is king and that’s exactly what an over 80 life policy will provide!
If there happens to be money leftover, it will remain with your family to use as they see fit.
What about final expense or burial insurance?
Anytime you hear the words “burial insurance”, “final expense”, or “funeral insurance”, know that all these labels mean the same thing.
It’s all still life insurance.
Final expense for seniors over 80 is just a whole life policy.
There is no type of insurance for burial expenses that is not life insurance.
How Much Can You Buy At This Age?
Understand that your exact options depend on your age, state of residence and health.
Having said that, $2,000 is generally the minimum amount of senior life insurance over 80 that someone could buy.
On the opposite end of the spectrum, $100,000 in coverage is generally the maximum (and it wouldn’t be cheap).
Keep this in mind…
To get to higher amounts of coverage ($50K and up) you may need to buy multiple policies from mulitple companies (which is okay to do).
In case you didn’t know, every insurance company has a minimum and maximum amount of coverage they will issue on any one individual.
For the over 80 crowd, most carriers max out at $15-$40k. That’s why if you want a higher amount of coverage you’ll likely need to buy more than one policy.
Life Insurance Quotes For Seniors Over 80
Below you’ll see some actual burial life insurance quotes for the elderly over 80. 
Please keep in mind the following as you view these rates:
- Eligibility is based on your health, state of residence, gender and health.
- Females in Montana will pay males rates due to a MT state law.
- You may have any amount of coverage you’d like. You aren’t limited to these options. Use the quote tool on this page to see prices for any face amount you desire.
- These are no tobacco rates. If you smoke cigarettes, you will pay more.
Female Prices
*** Rates always stay the same & the policy never expires ***
AGE $5,000 $10,000 $15,000 $20,000
80 $50.82 $98.43 $146.05 $193.66
81 $54.71 $106.21 $157.72 $209.22
82 $58.58 $113.96 $169.33 $224.71
83 $62.26 $121.31 $180.36 $239.41
84 $65.88 $128.55 $191.23 $253.90
85 $69.55 $135.90 $202.25 $268.60
86 $88.75
$174.17
N/A N/A
87 $95.00 $186.67 N/A N/A
88 $100.83
$198.33
N/A N/A
89 $107.08
$210.83
N/A N/A
Male Prices
*** Rates always stay the same & the policy never expires ***
AGE $5,000 $10,000 $15,000 $20,000
80 $67.93 $132.65 $197.38 $262.11
81 $73.10 $143.00 $212.89 $282.79
82 $78.37 $153.54 $228.71 $303.88
83 $83.31 $163.41 $243.52 $323.62
84 $88.24 $173.28 $258.32 $343.36
85 $93.18 $183.15 $273.13 $363.10
86 $112.08
$220.83
N/A N/A
87 $122.92
$242.50 N/A N/A
88 $133.75 $264.17 N/A N/A
89 $144.58 $285.83 N/A N/A
How To Get No Waiting Period Life Insurance Policies For Seniors Over 80
It’s possible to get a policy that has immediate coverage even for folks in their 80’s.
Here’s the only way to do it…
To get no waiting period coverage, you must apply with an insurance company where you answer questions about health and are accepted. Also, you must apply via an agent. You cannot get no waiting period coverage by dealing directly with the insurer.
You don’t have to take an exam, but you do need to complete a health questionnaire.
There are no exceptions to this rule.
Any policy from any company where they do not ask about health will always have a 2-3 waiting period.
Understand that some websites will flat out lie to you about this to get you click or call them.
It’s sad but true. They only do this to make money (they get paid when you call or click on their “get quotes” button).
Again, you must apply with a company where you’re answering health questions and are subsequently approved.
You might be wondering…
Why do you have work with an agent versus dealing directly with the insurance company?
Plans that have health questions are only sold via licensed agents. They do not offer these plans direct.
With that in mind, if you ever deal directly with the insurance company (without talking to an agent), it will be a guaranteed acceptance plan that has no health questions.
Again, guaranteed issue plans with no health questions don’t have immediate coverage. They all have a 2-3 year waiting period clause (no exceptions).
If you want immediate coverage, call us at 1-800-644-2926 and one of our friendly agents will figure out if it’s possible in less than 60 seconds.
Get Affordable Life Insurance For Seniors Over 80 Years Old From These Companies
Some companies won’t accept new applicants who are 80 and above.
But not these companies…
Below is a list of all the companies that offer final expense life insurance to seniors who are over 80.
You see quotes from any of these companies by using the quote tool that is on this page
1) Mutual of Omaha
- New Applicant Age Availability: 45-85
- State Availability: All States Except NY
- 80+ Face Amount Limits: $2,000-$40,000
- 2 Year Waiting Period: No (subject to underwriting approval)
- How To Apply: Via licensed agencies such as Choice Mutual. It’s not sold direct.
Mutual of Omaha final expense life insurance is the least expensive company for seniors over 80. If you’re able to qualify for their plan, jump on it because you won’t find a better deal elsewhere!
Please note, that if you call Mutual of Omaha directly they will have a different policy they’ll offer you. It will cost more and have a two year waiting period.
This policy they sell is only sold via agencies such as Choice Mutual.
2) Royal Neighbors of America
- New Applicant Age Availability: 50-85
- State Availability: All States Except AK, AL, HA, LA, MA, NH, NY
- 80+ Face Amount Limits: $5,000-$25,000
- 2 Year Waiting Period: No (subject to underwriting approval)
- How To Apply: Via licensed agencies such as Choice Mutual. It’s not sold direct.
Having been in business for over 130 years, Royal Neighbors of America has a stellar track record as a very stable insurance company. They probably have the most relaxed underwriting for any burial insurance plan on the market.
In addition to their ultra liberal underwriting, they also offer excellent pricing for folks 80 and older.
3) Aetna
- New Applicant Age Availability: 45-89
- State Availability: All States Except AK, CA, CT, HI, MD, ME, DC, NY, VT, & WA
- 80+ Face Amount Limits: $3,000-$25,000 ($10k Max above 85)
- 2 Year Waiting Period: No (subject to underwriting approval)
- How To Apply: Via licensed agencies such as Choice Mutual. It’s not sold direct.
Aetna offers great underwriting that accepts many different health issues. Not to mention their policy has competitive pricing for this age bracket.
They are incredibly unique because they insure seniors over 85.
4) Transamerica
- New Applicant Age Availability: 45-85
- State Availability: All States
- 80+ Face Amount Limits: $1,000-$25,000
- 2 Year Waiting Period: No (subject to underwriting approval)
- How To Apply: Via licensed agencies such as Choice Mutual. It’s not sold direct.
Transamerica is a pretty well known name in the insurance industry given how long they’ve been around.
Their final expense product will accept some very serious health issues that other companies would outright decline.
They aren’t the cheapest but they are fairly close to what other companies charge seniors over 80 for life insurance.
5) Foresters Financial
- New Applicant Age Availability: 50-85
- State Availability: All States
- 80+ Face Amount Limits: $2,000-$15,000
- 2 Year Waiting Period: No (subject to underwriting approval)
- How To Apply: Via licensed agencies such as Choice Mutual. It’s not sold direct.
While not a household name, Foresters is a very financially sound insurance company.
Their life insurance over 80 will accept lots of health issues while being on par with what other carriers charge.
They also give each policy holder access to free member benefits at no extra charge.
6) American Amicable
- New Applicant Age Availability: 50-85
- State Availability: All States Except CT, ME, MT, NH, NY, VT
- 80+ Face Amount Limits: $2,500-$20,000
- 2 Year Waiting Period: No (subject to underwriting approval)
- How To Apply: Via licensed agencies such as Choice Mutual. It’s not sold direct.
Commonly known as “AmAm”, they are another great company that combines competitive pricing with lenient underwriting.
Their plan also allows you to add on a few different optional riders for a only a few dollars extra.
7) Americo
- New Applicant Age Availability: 50-85
- State Availability: All States Except CT, ME, MT, NH, NY, VT
- 80+ Face Amount Limits: $3,000-$30,000
- 2 Year Waiting Period: No (subject to underwriting approval)
- How To Apply: Via licensed agencies such as Choice Mutual. It’s not sold direct.
Americo has some very unique underwriting that allows for many applicants to qualify for immediate coverage where other companies would impose a waiting period.
Their rates are higher than most but that’s only because they accept some health issues other carriers do not.
8) AIG
- New Applicant Age Availability: 50-85
- State Availability: All States Except ME, NY, & PA
- 80+ Face Amount Limits: $2,000-$25,000
- 2 Year Waiting Period: Yes
- How To Apply: Via licensed agencies such as Choice Mutual or via AIG Direct (No difference if you buy from them directly)
AIG’s policy is guaranteed issue which means you cannot be turned down due to your health (which is why there is the 2 year waiting period).
Only those with some very high risk health issues should buy AIG’s policy. For those who need it, thankfully it’s there so you can still get coverage.
Companies That Issue New Coverage To Seniors 86-90
There are only two companies that will issue a new life insurance policy to someone who is older than 85.
You need to know the following going into this:
- You must be in relatively good health. It’s very risky for them to take on applicants at this age, so they can’t afford to accept applications who have serious health issues.
- $10,000 is most amount of coverage each of these companies will offer to applicants who are 86+.
Aetna
Most people associate Aetna with health insurance. It’s understandable given the fact that they are one of the largest providers of health insurance in the world.
Aetna has a subsidiary company called American Continental Insurance Company. This company is the one of the two that issues final expense life insurance to folks who are older than 85.
If you’re between 86-89, we can help you buy coverage with Aetna. Call us at 1-800-644-2926.
Security National Life
Although they are no where as renown as Aetna, SNL is still a very secure and reputable life insurance company.
Moreover, they are the only other carrier that will touch an applicant who is older than 85.
Even more, they are the only one who will issue new coverage to a 90 year old! Aetna stops at 89.
The downside with SNL is they require an agent to physically meet you in order to apply. This is why we don’t represent them.
Watch Out For These Offers For Life Insurance Over 80 Years Of Age
There are many insurance organizations that are tripping over themselves to sell bottom of the barrel senior life insurance over 80 policies to anyone who will buy without doing their research. The reason they do this is simple.
At 80, they know you are probably very willing to take an offer simply because of your age. They are banking on you expecting to not qualify.
Then they come along with these nice “offers”, and boom you scoop it up thinking it’s the best thing since sliced bread.
If you receive any of these “offers”, run because 99% of the time there are much better options available.
Anything through the mail
Anyone who is age 50 and up will forever receive offers via mail to buy life insurance where your acceptance is guaranteed.
While this sure sounds nice, it comes at a big cost.
If you buy a life policy for someone over 80 via mail, it will always have a 2-3 year waiting period. Also, it will almost certainly cost much more compared to buying a policy through a licensed agent.
Colonial Penn
Everyone knows of Colonial Penn because Alex Trebec is featured in their commercials. Sadly, just because they have Alex as the face of their company does not mean their life insurance is superior.
In fact, the opposite is true.
For seniors over 80, Colonial Penn plans all have three major drawbacks:
- There is a mandatory two year waiting period
- It’s very expensive relative to other options out there.
- They won’t allow you to buy hardly any amount of coverage (you can’t even buy $10k).
Simply put, there is no scenario where someone in their 80’s should buy Colonial Penn coverage for those three reasons.
There are significantly better options available from dozens of other insurance companies.
Lincoln Heritage
Lincoln Heritage is a big player in the final expense insurance business. They advertise on TV, through the mail and online.
While they have done a very good job selling a lot of insurance, it’s not because it’s the best out there.
There’s two big reasons why you wouldn’t want to go with Lincoln Heritage if you’re trying to find life insurance for someone who is age 80 or more.
- Even for healthy folks, their coverage costs much more compared to other insurers.
- Their underwriting is not favorable. Many seniors with common health issues are forced into their plan that is incredibly expensive and has a two-year waiting period.
You can see their prices here along with their underwriting if you want further proof.
AIG Direct
Make no mistake, AIG is a great company. In fact, we represent them.
However, AIG’s final expense insurance for elderly seniors over 80 is guaranteed acceptance. If you’re dealing with AIG directly, then this is what they’re offering you.
That means there is no health questionnaire to fill out because your acceptance is guaranteed.
It has a two-year waiting period and is quite expensive.
While these plans do have their place, nobody should default to them. You should always try to secure a plan that has immediate coverage first. If that isn’t possible that’s when a guaranteed issue plan like this is appropriate.
Mutual Of Omaha Direct
Mutual of Omaha is another great insurance company. Like AIG, we also represent Mutual of Omaha.
The thing to understand is that whenever you deal with Mutual of Omaha directly, you are dealing with their no health question plan.
That means it has a two-year waiting period and in most cases is more expensive compared to a plan with health questions.
The Mutual of Omaha Living Promise immediate coverage plan is only sold via licensed agencies such as Choice Mutual.
It has health questions which means that if you’re approved it comes with immediate coverage. Also, it will generally costs less than their no health question plan.
Now understand this.
Mutual of Omaha does not sell their immediate coverage plan direct. It’s only sold via licensed agencies.
Mutual of Omaha direct only sells a no health question guaranteed acceptance plan that has a waiting period.
How To Find The Best Burial Insurance For Seniors Over 80
If you want to get the best price on a funeral policy for over 80, you have to find which company is most accepting of your health issues.
We say this because it’s extremely common for folks this age to have dealt with some serious health conditions.
For example, blood thinners are unbelievably common especially at this age.
There are many burial insurance companies that will charge you a higher premium (or decline you) because of a prescription for Plavix, Warfarin, or Coumadin.
Ultimately, the goal is to identify a list of final expense companies that sell life insurance for the elderly over 80 that have absolutely no issue with any of the medications you take or any of your health issues.
Once you have that list, it’s just a matter of selecting whichever company is cheapest.
Here’s the thing you must understand…
It’s just not possible for you, the consumer, to determine which carriers will approve you and which ones won’t. Only a licensed agent can do that.
To find the best burial insurance for seniors over 80, you must consult with an experienced final expense agency that represents multiple insurance companies.
An independent agent will collect some basic information about your health so they can determine which companies will approve you.
Once they have the list of all the companies that would approve you, they’ll recommend which one will offer the best rates.
Choice Mutual can help
If you need over 80 senior life insurance, we can help you.
Choice Mutual is a nationwide independent agency that represents over 15 different insurance companies, and our sole focus is final expense life insurance for seniors.
We will shop the market for you to find you the best deal possible.
Look below at what our customers say after working with us.
If you would like some hassle free help, give us a call at 1-800-644-2926. We will assess your situation and compare offers to find you the best deal.
How Much Does A Funeral Cost?
If you’re looking for coverage just to ensure end of life costs are paid for, then it makes sense to ask how much does a funeral cost?
The truth is, they cost a lot!
According to the NFDA, the median cost of a funeral is $8755 which includes a vault.
That’s a hefty bill.
Cremations are cheaper, but even those aren’t cheap. The average cremation in 2020 is $6,260 (which includes the service itself).
Final funeral costs are important to consider when you are getting life insurance quotes for seniors over 80.
Assuming you can afford it, you ideally want to purchase as much coverage as needed to pay for the services you desire.
Other end of life costs to consider
Outside of the cost of the funeral itself, there are other bills might need to be taken into account. 
Here are just some examples you should consider when preparing for end of life costs.
- Credit card debt
- Medical bills
- Body transportation
- Travel expenses for out of town relatives
- Income loss
In an ideal setting, you will be able to afford as much coverage as it takes to pay for all costs that might occur upon your passing.
However, if your budget will not allow you to buy all the coverage you want, buy what you can afford.
Something is better than nothing.
It’s extremely important to choose a plan that has a comfortable monthly payment. Funeral life insurance for over 80 is no different than health, home, or auto insurance.
Your coverage is only good as long as you can make your monthly payments.
How To Apply For Life Insurance For Over 80 Years Old
Applying for coverage in your 80’s is super simple. In fact, it’s no different than if you were in your 50’s, 60’s, or 70’s.
There is no money due at the time of the application. The insurance companies allow you to decide when your payments begin.
Ultimately, the first step you must take is to contact an independent broker that has free access to multiple insurance companies that are well suited for life insurance seniors over 80.
Whether you contact us or another agency, it’s generally a three step process.
- Gathering health data and filling out the application
- Submitting the application for approval
- Wait for the approval
Every agency will do things differently, but here’s how it works with us.
Step# 1
We’ll begin by finding out about your health (or for whoever you are shopping for). Once we know about the health of the proposed insured, we can identify which companies would offer the best burial life insurance for senior citizens over 80 given all the conditions you may deal with.
Please remember this because it’s huge.
There are policies that have no health questions, and they are available to the elderly over 80. However, these policies almost always cost much more, and they won’t pay out benefits if you die within the first 24 months.
To get the best rates and immediate coverage, you must apply with a company that asks about your health.
This is why we begin by finding out about your health. Our goal is to match you with companies that do ask health questions and approve you.
This way you’ll pay less and have coverage that doesn’t have a two year waiting period.
Step# 2
Once we know which companies look at your health the best, we will pull quotes from each of the insurers. Then we would communicate the prices with you, so you can decide which company you want to go with, and how much coverage you prefer.
Generally, we recommend going with whichever life insurance company is offering the lowest rate. However, the decision is yours regarding which company we apply with.
Step# 3
Once you have selected a plan, it’s time to apply. We would begin by going over the formal health questions that the insurance company will ask. After that we would fill out the entire application with you, so we can submit it to the insurance company.
Now
There are three options regarding how you sign the application. The process will vary with each company. With that, here are the three options.
- Website signature
- Voice signature
- Email signature
Regardless of which method the insurance company has in place, there are no medical exams, no papers to fill out, and no agent who will invade your private space.
Website Signature
In this scenario, we would completely fill out your application with you. Then you’ll log on to our website with an access code that we’ll give you. 
You type in your code which will display your application for you to review. Then you just click a button to sign it and you’re done.
At this point, it will be 1-3 business days before we get the approval or denial.
Email Signature
There are some companies that have an e-signature process where the entire application is signed via email.
Once we have the application filled out with you, you get an email from the insurance 
company to sign it. You click on a link in the email which brings up your application. Then you just click a couple buttons to sign it which will submit it to the insurance company.
Companies that use an email signatures generally come back with a decision within a few business days.
Voice Signature
Some insurance companies have a complete voice signature process where the application can be completely taken and signed entirely by voice.
Essentially, once we have the application filled out with 
you, we conference in the insurance company for a three way call. They confirm all the information about the proposed insured, ask the health questions, and obtain some authorizations.
In general, companies that utilize a voice signature process will give you a final decision regarding your eligibility by the end of the call. These calls usually take anywhere from 15-20 minutes to complete.
What to expect after the application
After we have secured your approval, two things will happen.
- We send you a welcome packet.
- The insurance company you applied with mails you the actual policy that will arrive at your house within 1-2 weeks.
We always send clients a welcome packet that has your agent’s business card, a summary of your coverage and some information on the insurance company.
We send this out immediately, so you would receive it within four 
business days.
The policy itself is usually mailed out right away by the insurer. It’s very uncommon for these insurance companies to not send the policy the moment you are approved. You should expect to receive your policy within 10 business days.
Once you get the policy, we urge you to read it and check to make sure nothing is misspelled. If there is anything that needs to be corrected, call us and we will fix it immediately. At the same time, if you have any questions about what is written in your policy, we encourage you to call us, so that we can resolve your questions.
At this point, you don’t need to do anything but store your policy somewhere safe and prepare for your first payment on whatever day you selected.
There is nothing you need to sign and send back.
You can rest easy now because you’ve taken the necessary steps to ensure your funeral expenses never become a financial burden on your family.
Frequently Asked Questions
Below are some of the most common questions we’re asked as it pertains to life insurance for seniors over 80 years old.
If you have a question that is not answered here or somewhere else in this article, email us your question. The email to send it to is info @ choicemutual.com
We’ll post your question with the answer within three business days.
Q: Can you get term life for seniors over 80?
A: Term life for seniors over 80 does not exist. It’s not available due to the average life expectancy of a U.S. citizen.
It’s just too risky for a life insurance company to offer term life insurance at this age. You can only get whole life insurance when you’re 80 and older.
Q: Can you get life insurance over 80?
A: Yes you can get a new life policy when you’re over 80. Whole life insurance is the only option and there are many insurance companies avaiable.
Coverage amounts and premiums depend upon your age, gender, health and resident state.
Q: Is there life insurance over 80 with no medical exam?
A: Yes there is no medical exam life coverage over 80. In fact, most life insurance policies at this age do no require a medical exam.
Some don’t have any health questions where your acceptance is guaranteed.
Q: Can you buy life insurance for elderly parents over 80?
A: You can purchase life insurance on your parents at any age. Your parents or grandparents will need to consent to the policy, but you can be the owner, payer and beneficiary if they agree to it.
Buying life insurance for mom or dad is quite common.
Q: Can you get life insurance at age 85?
A: Yes you can get life insurance at age 85. In fact, we have multiple life companies who insure 85 year olds.
Premiums tend to be north of $100 per month because of the age of the applicant.
Q: Can you get life insurance at 87?
A: It’s possible to get life insurance at 87, but the options are incredibly limited.
A: There are only two companies in the USA that offer coverage at this age. Your ability to qualify is dependent upon your health and resident state.
Q: Does life insurance over 80 always have a waiting period?
A: Some policies at this age have a waiting period and some do not. To get one without a waiting period, you’ll need to medically qualify.
Most seniors who are 80+ can get a policy that has no waiting period.
Q: Does AARP have life insurance over 80?
A: No they don’t. AARP whole life insurance issued by New York Life stops taking new applicants at age 80. If you’re over 80, they cannot help you.
63 Comments
Stacy Vickers
I need help getting insurance for my 83 year old Mom
Choice Mutual
Hi Stacy,
Thanks for reaching out to us. We will be in touch shortly to help you with this. Everyday, we help a lot of folks who are in their 80’s, so this is an age bracket we are very adept at assisting.
Call Bonnie p
Need quote on life insurance for 10,000 for my 83 year old mom. Please. Call 1-216-***-***. Thank You
Choice Mutual
Hi Bonnie,
Thanks for reaching out! We can definitely help you with this. You will hear from us shortly.
Faye
I am 80 year old female with no major health problems except arthritis. I desperately need burial/life insurance, preferably with no 2 year waiting period.
Choice Mutual
Hi Faye,
Thanks for reaching out! We can absolutely help you with this. Furthermore, if all you deal with is arthritis, getting you a policy with no waiting period will be a sure thing.
Leona Albeso
I am looking for funeral service insurance for my mom who is 85 years old.
Choice Mutual
Hi Leona,
We can definitely help you with this. We just sent you an email about this.
We look forward to speaking with you to help you out with this!
Theresa
I am wondering if there is insurance coverage for people that are 95?
Choice Mutual
Hi Theresa,
I’m sorry but at 95, there are simply no insurance options available. I’m sorry, for I wish this wasn’t the case.
Best of luck to you!
Tracie
need a final arrangement 10,000 policy for my mom who is 86 years old. no medical conditions except dementia. No meds
Choice Mutual
Hi Tracie,
Thanks for contacting us.
There are very few options for folks who are older than 85, but they do exist. For someone who has dementia (regardless of age) the only way they can get coverage is via a guaranteed acceptance policy. That is a policy that does not evaluate health. There are no health questions, exams, or anything.
Here’s the thing
There is no guaranteed acceptance company that will offer a policy to someone who is 86. If she were 85 or younger, she could, but since she is 86 she is unfortunately uninsurable.
Your only option to begin to prepare for your mother’s final arrangements is to try to paying on a plan directly with a funeral home.
I wish I could give you better news, but the combination of your mother’s age and dementia diagnosis means all life insurance options are unavailable.
Hopefully this helps. If you have any questions, don’t hesitate to call us at 1-800-644-2926.
Best of luck to you!
Vannessa Dawson
Looking for a no waiting period for my mom, non smoker, has COPD, diabetees,she is 82 years old please call me back at 216-527-****.
Choice Mutual
Hi Vanessa,
We need to gather some more details about your mom before we give you a firm answer. With that, we can get an 82 who has COPD and diabetes a final expense policy with no waiting period.
An agent will be in touch to help you with this!
Fe Pizarro
My husband just turned 81 years old. Has diabetes, atrial fibrillation, with pacemaker insertion, hypertension, COPD. Would he qualify for insurance coverage?
Would appreciate your response. Thanks.
Choice Mutual
Hi there Mrs. Pizarro,
Yes it would be possible to get immediate coverage based on what you said, but it will all depend on the details. We would need to know more information such as…
-Does he use oxygen?
-When was the pacemaker installed?
-Which medications is he taking?
-What is his height and weight?
-What state do you guys live in?
The answers to these questions will determine if you can get him a policy that has no waiting period. The best thing to do is call us at 1-800-644-2926 so one of our agents can gather that info and give you a firm answer to your question.
Talk with you soon!
Mrs. Reinmuth
I’m trying to help my Mom get $10,000 life insurance, my question is are the quoted numbers above monthly? Thanks
Choice Mutual
Hi Mrs. Reinmuth,
Yes the numbers quoted are all monthly. If you have any other questions, don’t hesitate to ask!
Thanks,
Juanita Moore
Thanks for providing so much valuable information. My dad is 89 years old and I need some help.
Choice Mutual
Hi Juanita,
You’re welcome!
We can insure someone who is 89, but it will depend on his health and what state he lives in. As soon as you can, call us so one of our agents can figure this out. Our toll free number is 1-800-644-2926.
Talk with you soon!
Nicki Benoit
I am Nick Rokich’s daughter and am interested in buying final expense insurance for my dad. He is in an assisted living. We understand there is a two-year waiting period. Phone number 1-208-***-****
Choice Mutual
Hi Nicki,
First, just because your dad is in his 80’s does not mean there will be a two year waiting period. The same is true for someone in an assisted living facility. Whether or not there is a waiting period is determined entirely by their health.
We help a lot of seniors in their 80’s find life insurance. We are able to find most of them a policy that has no waiting period.
To figure this out, we’ll need to gather some information about your father’s health.
You call call us asap at 1-800-644-2926, so one of our agents can assist you with this. Within a few minutes, they’ll figure out if he can get an immediate benefit policy.
We look forward to talking with you!
EROLINI ESERA
Hi,
I am looking for funeral service insurance for my mom who is 85 years old. Can you help? thank you.
Choice Mutual
Hi Erolini,
We can absolutely help you find coverage for your 85 year old mom. Every week we help many people who are this age.
We’ll be in touch!
Brenda Poole-Williams
We are looking for coverage for my 88 year old mother. Can you assist me?
Choice Mutual
Hi Brenda,
At age 88 there are still options available. Albeit, they are incredibly limited, but it can be done. Her ability to get coverage at 88 will be tied to what state she lives in and her health.
We’ll be in touch to see if we can help you. You can also call us at 1-800-644-2926.
Thanks!
Jody Dial
I am looking for life or burial coverage for my husband. He turned 84last month and was diagnosed with Alzheimer’s 16 months ago. Other then this he has no health issues.
Choice Mutual
Hi Jody,
We can definitely help you get a policy for your husband. His age and Alzheimers will limit his options, but he can still be covered.
Talk with you soon!
Tina
I’m trying to get coverage for mother who is 87 yrs. quadruple bypass 15 yrs ago takes meds to control blood pressure but is in great shape family history of longevity 98 plus years can you help?
Choice Mutual
Hi Tina,
Thanks for reaching out. It sounds like we can help you find coverage for your mom. Granted, we need some additional details, but nothing you’ve said so far is a problem.
You should call us as soon as possible so one of our agents can figure this out for you. Our number is 1-800-644-2926.
Talk with you soon!
Earsline Shields
For my mother
Choice Mutual
Hi Earsline,
If you are looking for coverage on your mom who is in her 80’s, we can help with that.
Call us at 1-800-644-2926, so one of our agents can gather some basic info about her to determine which options would be best.
Talk with you soon!
Avemaria Marie Ladson
Need whole life insurance
Choice Mutual
Hi Avemaria,
We can help with that. In the 80’s age bracket, whole life insurance is all that is available.
We’ll be in touch to help you find the best whole life policy for whoever you are looking to insure.
Teng
I am looking for life insurance for a senior 86years of age.
Choice Mutual
Hi Teng,
We can help you find coverage on someone who is 86. Options at this age are incredibly limited to say the least, but it can be done.
Call us at 1-800-644-2926 and one of our agents will ask you a few things to figure out which options you’ll have.
Talk with you soon!
Claudia Rivera
I just need a quote via email for a policy for my mom that is 84 yrs.please dont call me with the information just email on twee40@yahoo.com
Choice Mutual
Hey Claudia,
We emailed you some quotes for an 84 year old woman. In addition, you can run quotes right on our website.
You should know however that the health of your mom is a HUGE factor that will determine which companies will accept her and precisely what the monthly cost will be.
You need to speak with an agent who can do that for you. Until then, you’ll never know if she’ll qualify for the rates you’re seeing.
Our toll free number is 1-800-644-2926. I suggest you call us, so one of our agents can figure this out for you in less than 2 minutes.
Loretta Stevens
Looking for life insurance for 82 yr old mother, non smoker. Good health with exception of stroke 4 yrs ago. Only meds are blood thinner and blood pressure.
Choice Mutual
Hi Loretta,
If the extend of your mom’s health issues is what you described, it should be easy for us to get her a no waiting period policy. We’d still need to gather a few more details to be certain, but it sure seems an easy case for us.
Call us at 1-800-644-2926, so one of our agents can assist you. It won’t take long.
We look forward to helping you out!
Eleanor
I’m looking for burial policy for my 80 year old dad. He has high blood pressure he take several blood pressure meds.
He is also on a fixed income.
Choice Mutual
Hi Eleanor,
We can definitely help you get a policy for your dad. If all he deals with is HBP, we can easily get him a policy that has no waiting period.
Call us at 1-800-644-2926 and one of our agents will find you the best insurance plan for your dad.
Talk with you soon!
Doris H Nielson
I am interested in Mutual of Omaha Final expenses. Does the monthly amount remain same, and is it $10,000 policy for female age 83 @$121.31 a month…. I have no health issues except osteo-arthritis….take med for chloresterol..and some vitamins… do not call, just email me. thx
Choice Mutual
Hi Doris,
The monthly premium cannot increase, the coverage can’t decrease, and the policy will never expire. If all you have health wise is arthritis and cholesterol, you will easily qualify.
This policy from Mutual of Omaha is not sold directly by them. It’s only sold through agencies such as us. You will need to speak with an agent to purchase it.
Call us at 1-800-644-2926 and one of our agents will have you approved in about 15 minutes.
Thanks,
Ella James
I just applied for my 81 year old mother. She has high blood pressure and arthritis. Hope she qualifies.
Choice Mutual
Hi Ella,
If that is all she has health wise, she’ll definitely qualify.
We’ll be in touch!
Denise
My mom is 82
Choice Mutual
Hi Denise,
We can easily insure an 82 year old.
Give us a call at 1-800-644-2926 so one of our agents can gather some basic info to determine which companies would be best for your mom.
Talk with you soon!
Louis Stipp
I need a $50 – 100k policy with no waiting period. I have thyroid cancer which has been stable for over four years.I am 83.
Choice Mutual
Hi Louis,
Sorry to hear about your diagnosis. We’ll be praying for you.
Unfortunately, if you currently have cancer there is no way to avoid a waiting period. You can get coverage via a guaranteed acceptance policy, but those all have a 2 year waiting period.
Rebekah
My husband asked me to try & find INSURANCE for his 82 year old mother. She is a non-smoker in good health other than narcolepsy that is controlled with medication. She is very active & still drives. She does use a cane outside of the house due to a broken hip around 10 years ago. Her mind is sharper than most people I know. (Her memory is incredible)
She would need around $25K in coverage, & is on a fixed income. Can we do the App. via e-mail? (She doesn’t use a computer, can we do it via my e-mail?) Over the phone would work if e-mail won’t. Thank you.
Choice Mutual
Hi Rebekah,
From what it sounds like, it would be very simple to help ou get a policy on your husbands mother. Yes we can complete the application via phone and email.
Call us at your earliest convenience and one of our agents will help you get this squared away. Our toll free number is 1-800-644-2926.
Talk with you soon!
S J
3 weeks ago my mother passed away. While making arrangements my father & I discussed getting an additional $5000 on my father. He takes Coumadin is 87 & has been prostate cancer free for close to 10 years. Gets around great drives everywhere eats healthy & is active. Lives in Florida. Could I get an info packet for him on $5000. He has 1 policy for that amount so it would be to cover any potential remaining costs when the time comes. He is a Military Veteran
Choice Mutual
Hi SJ,
First, very sorry to hear about the loss of your mother. Your family will be in our prayers.
Unfortunately, the company we have that insures people over 85 will not accept someone taking Coumadin or any other prescription blood thinner.
There is another company that insures people over 85 called Security National Life. Your only option would be to call them to see if they’ll accept your dad (we don’t know if they’ll accept someone taking a blood thinner). We can insure people on blood thinners who are 85 and younger, but not over 85 🙁
Tell your father thanks for his service and we wish you both the best of luck!
Edmundo Garcia
Am looking to purchase life burial insurance for myself. I’m 86 yrs old,I need your help please. My phone is 830 7764155. Thankyou.
Choice Mutual
Hi Edmundo,
We can get insurance for someone who is 86. However, the options at this age are VERY limited to say the least, but it can be done. It’s going to depend on your health and the state you live in.
Call us at 1-800-644-2926 and one of our agents will see if we can get you a policy.
Migdi
Hi, I am looking to purchase burial insurance for my mom. She’s 88, almost 89 (next August), but she is in pretty good health. She only suffers from artritis and controlled high blood pressure. We live in Miami. Can you help us on this matter? Thank you.
Anthony Martin
Hi Migdi,
We can get coverage for those ages in Florida. Call us at 1-800-644-2926 so one of our agents can determine your options.
Thanks!
Migdi
Thank you, Anthony. I will. Regards.
Julie
My father is 80 and I need maybe a 10,000 policy for him that he or I can afford.I don't need for him to leave me any money can you help me with this.
Thank You!
Anthony Martin
Hi Julie,
We can absolutely help you get a policy on your dad. His age is not an issue.
Call us at 1-800-644-2926 and we'll help you find which company will offer him the best rates.
Karl
My mother is 86, will be 87 in may of 2020, she is being treated for hypertension, diabetes 1 and Parkinsons, she is mentally alert and still can drive. I Would like to know what policies are available for her.
Thank You!
Anthony Martin
Hi Karl,
It is possible for us to get insurance for someone who is 86 or 87. That said, unfortunately your mother would not qualify due to her Parkinson's.
The carriers that accept Parkinson's have max age for new applicants of 85.
Sorry to give you this bad news. Your best bet would be to start some kind of pre-arrangement with a local funeral home.
Hope this helps.