Seniors Life Insurance

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Life Insurance For Seniors


Life Insurance Age 50

Life insurance plan may be not necessary for people over 50.

In that case, you may choose to opt-out of carrying life insurance.

But for those who still have young families, children in college, debts, or a spouse to care for after passing, life insurance is still necessary, even though you are over 50.

Life Insurance Age 60

The ’60s is a sweet spot for life insurance. You can still purchase a 10 year, 20 year and 25 year term policy.  Many of us don’t like to think about funerals – your 60’s is a great time to purchase an affordable burial insurance policy.

Life Insurance Age 70

At this stage, you want a guaranteed payout and permanent insurance gives you that. Not to mention, the cost differential between term and permanent shrinks as we get into our 60’s and 70’s..

Life Insurance Age 80

At age 80 and over the good news is funeral insurance is affordable and super easy to apply for. Final expense or Burial Insurance coverage is sold as no medical life insurance which does not require a physical or medical exam. 

Life Insurance For Seniors

Universal Life Insurance

Universal life insurance functions in the same way whole life policies do, but with a few crucial differences.


This type of life insurance allows you to adjust monthly premiums as needed—within specified limits.


If you pay more per month than the designated amount, that extra money goes to a cash account.


You can pay premiums with this cash or save it for the future.




Guaranteed Issue Life Insurance – No Medical Life Insurance

Guaranteed issue life insurance almost always falls under the umbrella of whole life insurance, though it works a little differently.


While most whole and term life insurance policies have underwriting and make you submit to a medical exam, guaranteed issue life insurance doesn’t.


This type of insurance will ensure you no matter your medical condition.


Even if you have what most companies call “knockout” conditions, which include terminal illnesses, guaranteed issue life insurance will cover you.


Simplified Issue Life Insurance – No Medical Life Insurance

A simplified issue is the simplest form of underwriting. Applicants must answer some questions about their health and lifestyle but do not have to take a medical exam.







Burial Insurance – No Medical Life Insurance

Final expense insurance works differently than other life insurance policies.

These types of policies are also known as burial insurance, funeral insurance, memorial insurance, and similar names, though they all mean the same thing.
Final expense insurance is meant to cover your final expenses such as funeral, cremation, and burial costs.

However, these policies can also be used to cover things like credit card debt, mortgage payments or car notes. 

The coverage is usually lower than what you can expect from a traditional life insurance policy and the coverage amounts range from $5,000 to $25,000.


Guaranteed Universal Life Insurance (GUL)

Guaranteed universal life insurance is a type of life insurance that offers flexible premiums like a term life insurance policy and lasts as long as a whole life policy.


Think of it as a compromise between the two products, you will also notice that the premiums will fall between a term policy and a whole life policy as well. 




Life Insurance for Seniors –No Medical Exam

Life Insurance for Seniors is a simple way to leave your loved ones a cash sum when you die – as a gift, to settle unpaid bills or help pay for your funeral. If you’re aged 50 to 90 – depending the state you live, you can get cover in place right away.


An Over 50s life insurance policy provides a fixed lump sum when you die, helping you care for your loved ones.





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