Get Life Insurance over Age 75 without a Medical Exam

Shawn Plummer

CEO, The Annuity Expert

It can be hard to find life insurance if you are over 75. This is because most insurance companies require a medical exam, and many people in this age group are not healthy enough to pass one. However, some companies will offer life insurance without a medical exam if you are over 75. This guide will discuss getting life insurance over the age of 75 without a medical exam.

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If you are over 75 years old, you might wonder if you can get health insurance and if it is a good idea for you.

The answer to the first question is definitely “yes.” You can often buy life insurance well into your 80s. Many of your options will have minimal or no health requirements. Generally, we offer life insurance plans for seniors up to 85 with coverage amounts ranging from $5,000 to $10,000,000.

If you’re wondering if life insurance is right for you, think about this: Would anyone be affected financially if you died? Even if you’re retired and your kids are grown, life insurance can help your family cover unexpected expenses that might come up.

Although life insurance payments may be spent on anything, older persons frequently acquire it to cover expenditures such as:

  • funeral expenses
  • Paying outstanding debts
  • Medical care
  • Passing down an inheritance to beneficiaries

Skip the exam and get coverage today.

Get same-day coverage with an A+ insurance company. Only accepts healthy applicants.

The Cost Factor Of Life Insurance For a 75-Year Old

  • The younger you are, the lower your premiums will be for insurance. This is why it is a good idea to lock in an insurance policy as soon as possible.
  • The healthier you are, the lower your premiums will be.
  • Generally, women pay less for life insurance than men because women tend to have a longer life expectancy.
  • Your lifestyle will affect how much you pay for life insurance. For example, alcohol consumption and nicotine use can increase your premiums.

The price of life insurance depends on the type of policy you choose. There are two main types: permanent and term life insurance. The other factors that affect the cost are the coverage you want and how long you want the policy (if you choose term life insurance).

Permanent life insurance policies offer lifelong coverage, which tends to be more expensive than term life insurance policies. However, that guaranteed protection can be important for seniors who need money they can count on for end-of-life needs.

Many senior households have a modest income. Cost is often a major factor in choosing a life insurance plan. If you are living on a modest income, compare multiple life insurance options to find the best coverage and price for your needs.


There are many reasons why you might want life insurance. You might want to protect your loved ones, cover end-of-life expenses, or provide some money to a charity. How do you know which is best for you? Consider a few scenarios that can help you make a decision:

Supplement an income: Do you need a way to supplement your spouse’s retirement income? Or maybe you still have a lot of debt to pay off? In this case, traditional term or permanent life insurance at 75 years old may be the best way. With these plans, you can get larger coverage amounts, which can help pay for big expenses.

Need to pre-pay pay funeral costs: Some people need financial protection to cover the cost of their final expenses. This includes the cost of a funeral, burial costs, and other end-of-life expenses. Final expense insurance is designed for this purpose. You can name the funeral home you’ve selected as the beneficiary, so you know your costs will be taken care of. This type of coverage is typically available for people aged 50 to 85.

You’re unhealthy: If you have a health diagnosis that might shorten your life, getting coverage through a simplified issue or guaranteed issue life insurance plan can be a good idea. Simplified issue life insurance asks some questions about your health but doesn’t require a medical exam as traditional permanent life insurance does. The guaranteed issue doesn’t have any health requirements, so it might be the best option if you need life insurance and are over 75 years old with no medical exam.

If you need limited coverage: If you want to have coverage for a short period, you might want to consider getting a term life insurance policy. This type of policy will cover you for the time period that you choose, and it might be available to you at a lower cost than other types of policies.

Find The Best Life Insurance Coverage At The Cheapest Cost!

Compare life insurance quotes from 25 companies in seconds. Then, apply for coverage in less than 10 minutes.

Need Help Getting Life Insurance Coverage?

If you have a preexisting medical condition and want to buy life insurance, you will need help from an expert. This person can help ensure you get coverage, so you don’t get declined.

Warning: Applying for life insurance without a medical exam can be risky. If you get declined coverage, it could be at least two years before you can get any life insurance.

Impaired Risk Life Insurance
Have You Been Declined Life Insurance Coverage Before?

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

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

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