Can Anyone at Any Age Get Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Age Ranges for Different Types of Life Insurance

Term Life Insurance

  • Minimum Age: 18 years
  • Coverage: Specific period (e.g., 10, 20, 30 years)
  • Purpose: Temporary coverage, often for specific financial responsibilities like a mortgage or education costs.

Whole Life Insurance

  • Age Range: 0-85 years
  • Features:
  • Suitable For: Long-term financial planning, including estate planning and legacy creation.

Universal Life (UL) and Indexed Universal Life (IUL) Insurance

  • Age Range: Similar to Whole Life, typically 0-85 years
  • Characteristics:
    • Flexible premiums and death benefits
    • Potential for cash value growth linked to market indexes (IUL)
  • Advantages: Flexibility and growth potential, suitable for more complex financial strategies.

Age Eligibility for Life Insurance Types

Age GroupTerm LifeWhole LifeUniversal LifeIndexed UL
0-17Not AvailableAvailableAvailableAvailable
86+Limited/Not AvailableLimited OptionsLimited OptionsLimited Options


Life insurance availability varies by age and type. Term life is accessible from age 18, providing temporary coverage. Whole life, universal life, and indexed universal life offer more extended coverage options starting from birth up to age 85, with some providers extending beyond this age. Choosing the right type depends on individual needs and age. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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