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One of the first questions you may have when searching for life insurance for seniors over 80 is it even still available. The quick answer to this is, absolutely! Life insurance for seniors over 80 is a quick evolving topic in the life insurance industry, and it seems like new products are coming out everyday to cater to this group of people. Many reasons have contributed to this growth, but it really boils down the statistics of people living longer.

As people are living longer, the need for life insurance later in life is also growing. It is not unheard of now for individuals, or their children, looking to purchase life insurance for seniors over 80. This post will discuss some of the most common reasons why someone would need life insurance in their 80s, what coverage options still exist, and what the best steps are for obtaining this coverage.

Reasons For Life Insurance For Seniors Over 80

If you are searching for life insurance for seniors over 80, then you are aware of the many ways in which one of these policies can be effective. However, there are many people out there who would never consider the use of life insurance on someone who is in their 80’s. It is not uncommon for us to be contacted by someone in their 80’s, or by the grown children on an 80 year old searching for a life insurance policy.

Seniors over 80 typically do not have anyone relying on their income, and many financial obligations are no longer around, so why would you consider life insurance for seniors over 80. We have compiled a list of some of the most common reasons why someone would be purchasing life insurance for someone at this age. Some of the most common reasons include:

  • Legacy Creation
  • Estate Preservation
  • Charitable Giving
  • Final Expenses

These are just some of the most common reasons, but their are many other creative uses of life insurance. If you are curious about life insurance can be used in your situation, we would be happy to help you evaluate your options.

Coverage Options Available

One of the main reasons why many people do not consider life insurance at this age is because they don’t know it’s available. Even they realize its available, they don’t know what type of policies are available or affordable. One of the main differences between life insurance over 80, and any other age is term life insurance is no longer an option.

In most cases, the most appropriate option above 80 would be a guaranteed universal life insurance policy. If any medical conditions are present, than we may begin to explore some guaranteed issued life insurance options.

A guaranteed universal life insurance policy, is a permanent product which is designed to last until a certain age, or even to age 121. These types of policies can be customized for your specific situation and the amount of years you want coverage to continue until. One of the great things about these policies is they will not increase over time, and allow you to lock in a premium which would fit comfortable into your budget.

Obtaining Quotes And Applying For Life Insurance

Getting a quote for life insurance is easy at any age through our online quoting tool. You can view rates from over 50 carriers in ust a matter of minutes. You can also give us a call in order to work with an experienced life insurance agent who can guide you every step of the way.

Applying for a policy can be done over the phone, or even started online. If you are more comfortable signing the application in person, than a nurse will be happy to provide this for you.

If you are grown child looking for a policy for your parents we can help you navigate the options which will be available for your family.


Jason Fisher

Jason Fisher is the founder and CEO of, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.