If you’re over 80 and shopping for life insurance, let’s be honest—your options are limited, but not impossible. Many advertised policies? Packed with fine print, waiting periods, and inflated premiums.
At Maple Valley Insurance Group, we help people in their 80s (and beyond) find affordable, straightforward coverage—no gimmicks, no delays, no frustration.
Whether you’re 80, 85, or nearing 90, we’ll guide you through exactly what’s available and how to get approved quickly and easily.
Why Life Insurance Over 80 Still Matters
At this stage in life, life insurance is less about replacing income and more about protecting your loved ones. People in their 80s typically purchase coverage to:
- Cover final expenses – funeral, cremation, and medical bills
- Leave a legacy – provide something for children or grandchildren
- Pay off minor debts – outstanding medical bills or personal loans
- Prevent financial burden – spare family members from unexpected costs
In short, you’re not looking to cover a mortgage or raise children—you want simple, dependable coverage that pays when it’s needed most.
Can You Get Life Insurance After 80?
Yes—you can still get coverage after 80, but it depends on three main factors: your health, your exact age, and the type of policy you choose. Here’s the reality:
- Most companies stop issuing new policies at age 85.
- A few insurers will go up to age 89, but these options are limited and typically more expensive.
- Term life insurance is usually unavailable after age 80.
- The most practical choice is whole life insurance—commonly called “final expense” or “burial insurance.”
The 2 Main Types of Policies Available at Age 80+
1. Simplified Issue Whole Life
This is the best-case scenario for seniors. No medical exam is required—just a few health questions.
- ✅ Instant coverage (no waiting period)
- ✅ Fixed premiums for life
- ✅ Level death benefit (never decreases)
- ✅ Available to people up to age 85
- ✅ Best value for those in average to fair health
We work with carriers that provide these policies even if you have conditions like COPD, diabetes, or a pacemaker.
2. Guaranteed Acceptance Life Insurance
This is the “last resort” option—often the one advertised heavily on TV.
- ✅ No health questions
- ❌ 2-year waiting period before full benefits
- ❌ Higher monthly premiums
- ✅ Usually available up to age 85–89
Compare Your Final Expense Options
Don’t overpay for coverage you can get cheaper elsewhere. Our agents will show you the most affordable plans available — designed to fit your age and needs.
What Does Life Insurance Over 80 Cost?
Here’s what you can expect for $10,000 of whole life coverage:
| Age | Male (Non-Smoker) | Female (Non-Smoker) |
|---|---|---|
| 80 | $130 – $208/month | $98 – $153/month |
| 85 | $188 – $294/month | $132 – $213/month |
💡 Pro tip: Rates can vary by as much as 40% between carriers. That’s where we come in.
How We Help Seniors 80+
We’re independent agents—licensed in multiple states—and we work with the top-rated final expense carriers in the country, including:
- Mutual of Omaha
- Aetna (CVS Health)
- Foresters Financial
- Aflac
- SBLI (Savings Bank Life Insurance)
- Royal Neighbors of America
- And more…
We shop the market for you, based on your exact health and age.
No sales pressure. No call center scripts. Just honest guidance and friendly conversation.
What If I’ve Been Declined Before?
It happens. But don’t assume you’re out of options.
We’ve helped a lot of seniors get covered even after:
- Denials due to COPD, heart disease, diabetic complications and more
- Getting turned down by AARP/New York Life or Globe Life
- Hospitalizations or major diagnoses
Let us take a second look—you may still qualify for a no-waiting-period policy.
Get Help Today — Before Age Limits Kick In
After age 85, your options shrink dramatically. Some carriers stop at 80, others at 85. The sooner you act, the more choices you’ll have and the lower your price and risk to your family.
📞 Call (269) 244‑3420 now to speak directly with a professional agent who understands the senior market.
Or use the quote tool on this page to instantly see what you may qualify for.
You’ve got questions—we’ve got answers (and real solutions).
Frequently Asked Questions
Can an 85-year-old get life insurance?
Yes, but only from select companies. Most will limit coverage to final expense whole life with limited face amounts ($5,000–$25,000). Rates will be higher, but coverage is available if you act fast.
Is a medical exam required at age 80+?
No. Every policy we offer is no-exam. Some require simple health questions (simplified issue), and others have no health questions at all (guaranteed acceptance).
How much coverage can someone over 80 get?
Most policies offer between $5,000 to $25,000, with a few going higher depending on age and health. The most common amount is around $10,000 to $15,000 to cover funeral costs.
Is guaranteed acceptance life insurance worth it?
Only if it’s your only option. These plans have 2-year waiting periods and higher costs. We recommend simplified issue policies instead, when possible.
Can I buy life insurance for my elderly parent over 80?
Yes—if they consent and are involved in the process. Adult children often buy coverage for their parents to protect the family from funeral costs.
What if I have serious health issues?
We can usually find a policy even with conditions like COPD, diabetes, or heart disease. Simplified issue or guaranteed acceptance policies may apply depending on your situation.
How quickly can I get coverage?
Many policies are issued within days. Simplified issue plans can have coverage effective immediately once approved.
Life Insurance Options After 80
Even in your 80s, affordable coverage is still possible. We’ll help you find the right plan to cover final expenses or leave a lasting gift — without confusion or high-pressure sales.
