Term Life Insurance Rates for Seniors

Looking for the best rates on term life insurance for seniors?

You’re in the right place. This tool is designed to help you instantly compare top-rated term life insurance policies you may qualify for based on your age and health.  Rates never increase during the “term” you select at application.  Benefit amounts never decrease.

Your final rate will depend heavily on your age, gender and overall health.  Do your best to compare yourself to people even 10-15 years younger.  Quality term life is harder to qualify for.  Since the instant tool will not ask health questions, I usually recommend choosing “Standard” for the Health Class—most folks in their 50s, 60s, or even 70s have at least a medical conditions such as high blood pressure and elevated cholesterol levels without medications.  Preferred is not very likely and is never approved about “Standard.”  Standard is a better starting point for your quote comparison.

Most life insurance companies require a minimum of $100,000 in coverage, although some smaller policies are available. Every rate shown here is for level term life insurance, meaning your rate stays locked in for the entire term—whether it’s 10, 15, 20 years, or more.

Just keep in mind: term life insurance isn’t meant to last your whole lifetime.  It “terminates.”  The coverage is designed to replace the insured’s income if they pass away unexpectedly.  If you’re in your mid-70s or older or on Social Security Disablity, you should look at final expense whole life insurance instead. Those policies offer permanent coverage with lifetime guarantees—something term life just can’t do. 

If only we all had a crystal ball, right?