fbpx Best Burial & Life Insurance For Seniors Over 80 In 2024

Best Burial & Life Insurance For Seniors Over 80 In 2024

Life Insurance For Seniors Over 80

Getting life insurance for someone over 80 can seem difficult as a lot of companies will either deny you or charge you an arm and a leg.

Fortunately, there are quite a few companies that will offer coverage at affordable rates at this age. You just need to know where to look.

This article will detail where to get life insurance for someone over 80, sample prices, and tips to save the most money.

Table Of Contents

Types Of Life Insurance Available

Once you are 80+, final expense whole life insurance, otherwise known as burial insurance, is the only type of life insurance available.

These final expense whole life plans are designed to cover the final expenses and not much else, hence the name.

Premiums are locked in, there is no medical exam, and you have lifetime coverage.

So how much will it cost?


For instant prices on many people, fill out our quote form and compare online prices among all of the top companies.

Pricing of final expense life insurance depends on many factors, but people will often receive rates very close to the below.

Prices are for $10,000 in coverage for a non-smoker

As you can see, the prices start to increase very quickly, so it’s important to lock in rates ASAP.

Best Life Insurance Companies For Seniors Over 80

Aetna Insurance


Age Range: 40-89

State Availability: All except NY

Coverage Range: $2,000-$25,000

Aetna is one of the best life insurance companies for seniors 80+ because of their lenient underwriting and offering coverage to new applicants up to age 89, which is rare in the life insurance industry. They also have the easiest and quickest application process for seniors. We recommend Aetna unless you need a face amount of more than $25,000.

Mutual Of Omaha

Mutual Of Omaha

Age Range: 45-85

State Availability: All except NY

Coverage Range: $2,000-$40,000

Mutual Of Omaha is one of the most well-known insurance companies out there for good reason. They have great rates for seniors over age 80 but have more strict underwriting and a complicated application process. They offer up to $40,000 however, which is quite a lot of life insurance for someone at this age. You can’t go wrong with Mutual Of Omaha.

American Amicable Burial Insurance

American Amicable

Age Range: 50-85

State Availability: All except CT, ME, MT, NH, NY, VT

Coverage Range: $2,000-$20,000

American Amicable has fantastic smoker rates for seniors over 80. If you smoke you cannot go wrong with American Amicable, as they will give the best smoker rates out there we have seen.

How To Get Life Insurance For Seniors Over 80

The truth is, getting life insurance for a senior over 80 is the same as anyone younger. There are plenty of companies that will offer you coverage, you just need to let us shop the market to find the best price for you.

The best way to find the best rate in your state is to work with an independent licensed agency like Seniors Mutual. We are experts in getting anyone over 80 approved at the lowest rates possible.

If you want to see quotes from all of the top carriers in your state, simply fill out the quote form and see rates instantly for any age or give us a quick call.

We look forward to speaking with you!