Skip to content

Affordable Health Insurance For Seniors Over 80 Compare Rates Quotes

Affordable Health Insurance For Seniors Over 80

While you’re 80 and older, there are fewer senior life insurance coverage choices obtainable than if you had been younger, and also you received’t be capable to purchase a big coverage. The excellent news is that at this stage in your life, you don’t want as a lot protection as you used to.

Most adults of their 80s have paid off giant money owed like mortgages, have grown kids who not rely on them, and don’t want a security web to interchange misplaced earnings. Plus, they often have financial savings and belongings that may cowl the debt they depart behind.

While you went 80, it makes essentially the most sense to purchase an entire life coverage, particularly last expense insurance coverage, to pay in your funeral, burial, and different prices. There are additionally a couple of different coverage varieties you might need to think about together with final expense insurance coverage.

Best Health Insurance coverage for Seniors Over 80

  • MetLife
  • AIG
  • AARP from New York Life
  • Mutual of Omaha
  • Pacific Life


MetLife is known for the best Term Insurance coverage. MetLife gives term life insurance policies to seniors. After age 51, you’ll want to finish a paramedical examination with a blood and urine check, in addition to an electrocardiogram check.  A standard term the size of time your coverage stays active for these over 80 is 10 years.


AIG is known for the best entire life insurance coverage. Whole life insurance coverage protection from AIG was designed particularly to fulfill the wants of adults ages 50 to 85. with certainly acceptance and no medical exams and upto $25000 protection, ARP life insurance coverage assist you to to pay your medical payments and final expanses.

AARP From New York Life

AARP Life Insurance coverage is known for best overall life insurance coverage for seniors. AARP gives the biggest whole life insurance coverage for seniors. Non medical exams is required for this. However this insurance coverage coverage is provide solely the age upto 80.

Top 10 Life Insurance at Age 83

Mutual OF Omaha

If you’re in search of the cheapest life insurance coverage over 80, then Mutual of Omaha is the right insurance coverage for you. There entire life insurance coverage beginning kind $2,000-$40,000. Coverage provides by Mutual Of Omaha is everlasting coverage, so your premium won’t ever increase until dying.

Health Insurance For Seniors Over 80
Health Insurance For Seniors Over 80

Pacific Life

If you want universal life insurance coverage then Pacific Life insurance coverage is the most effective for you. Universal life insurance coverage offers you demise advantages with money value. So in case you are in search of an common life insurance coverage i recommend go for pacific life.

Term Vs Whole Life Insurance-Which One Best For You

Cost of Health Insurance coverage for Seniors Over 80

The price of life insurance coverage for adults over 80 depends on a couple of key elements:

  • Your actual age
  • Your gender
  • Your general health
  • The coverage you purchase

Final Expense Life Insurance coverage for Seniors Over 80

Most seniors of their 80s in search of life insurance coverage only want cash to pay their funeral and different remaining bills, such as medical payments. They don’t want entire or term insurance policies value tens or a whole bunch of 1000’s of dollars, particularly as a result of the premiums for these plans are very excessive for individuals of their 80s. In lots of instances, they’re not even available to adults on this age group.

There are lots of different advantage to getting burial insurance coverage over different insurance policies if you’re in your 80s: Like so long as you pay your premiums, your plan doesn’t expire. Your funds are fixed so long as you proceed to pay them. You could possibly take out a mortgage towards the coverage’s money worth.

Health Insurance For Seniors Over 65

Average Annual Insurance coverage Charges for Males

AgeFinal Expense: $5,000 Profit Final Expense: $10,000 ProfitWholeTerm: $250,000 – $1,000,000UniversalAssured Common: $10,000 – $20,000 Profit
80$936 – $1,356$1,836 – $2,670Speak to your insurance coverage supplier$10,570 – $37,570Speak to your insurance coverage supplier$2,950 – $6,490
85$1,431 – $1,800$2,816 – $3,590Speak to your insurance coverage supplierSpeak to your insurance coverage supplierSpeak to your insurance coverage supplier$3,700 – $7,150

Average Annual Insurance coverage Charges for Women

AgeFinal Expense: $5,000 Profit Final Expense: $10,000 ProfitWholeTerm: $250,000 – $1,000,000CommonAssured Common: $10,000 – $20,000 Profit
80$700 – $990$1,370 – $1,940Speak to your insurance coverage supplier$7,870 – $28,330Speak to your insurance coverage supplier$2,100 – $4,630
85$1,070 – $1,236$2,080 – $2,940Speak to your insurance coverage supplierSpeak to your insurance coverage supplierSpeak to your insurance coverage supplier$2,470 – $4,870

Average Monthly Final Expense Life Insurance coverage Charges for Males($10,000 Death Benefits)

AgeIn Good HealthIf No Health Questions Requested
80$133 – $173$175 – $268
85$183 – $286$299 or extra

Average Monthly Final Expense Life Insurance Charges for Women($10,000 Death Benefits)

AgeIn Good HealthIf No Health Questions Requested
80$98 – $129$135 – $187
85$136 – $211$204 – $286

Term Life Insurance coverage for Seniors Over 80

Term life insurance coverage choices are very restricted and really costly for seniors over 80. There are only some corporations that provide them, and those who do require a well being examination.

Average Annual Term Life Insurance coverage Charges for Males and Women

Age Coverage QuantityAverage Price for 10-Year Term For Males/Women

Universal Life Insurance coverage for Seniors Over 80

Universal life insurance coverage is a cross between term and whole life insurance coverage. Some corporations provide UL to adults as much as age 89, however a medical examination is required. For that reason, it’s tough to qualify for and the premiums are excessive, particularly if in case you have a well being situation similar to diabetes.


Can I get life insurance coverage if I’m over 80?

Sure, however your choices are very restricted. The perfect life insurance coverage choice for seniors of their 80s is burial insurance coverage, as a result of these insurance policies have inexpensive charges and can repay funeral payments and different last bills.

Do I need life insurance coverage if I’m over 80?

Although chances are you’ll not want as a lot protection as you probably did if you had been working and elevating a household, giving your family members a supply of assist to repay any debt you permit behind is an excellent option to raise their monetary burden after you go away.

Do I need to take a health exam to get life insurance if I’m over 80?

Most final expense funeral insurance policy don’t require you to take a medical examination. You often only need to answer a couple of questions on your health. Another insurance policies, like assured common, might also permit you to skip taking a well being check, however they’re far more costly.

How much life insurance coverage do I want if I’m over 80?

Most adults on this age vary only want a coverage that may cowl their final bills, particularly their funeral and burial or cremation. Funeral insurance coverage insurance policies between $5,000 and $10,000 often present the funds seniors this age want for an inexpensive month-to-month price.

  • Affordable Health Insurance For Seniors Over 80 Years Old Age.