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Senior Life Insurance Quotes In 2024

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Seniors can get surprisingly low life insurance quotes nowadays, all with no medical exam.

This article will show sample quotes for both final expense whole life insurance and term life insurance for seniors.

Table Of Contents

Senior Life Insurance Overview

Obtaining life insurance as a senior doesn’t have to be hard or expensive.

There are many companies that market to seniors at affordable rates.

Term Vs. Whole Life Insurance

What’s best, term or whole life for a senior?

Term Life Insurance

Good If:

  • Want larger amounts of coverage
  • Still have a mortgage
  • Want a lower premium

Bad If:

  • If you want a guaranteed payout
  • Want final expenses paid for

Final Expense Whole Life

Good If:

  • You want final expenses paid for
  • Want guaranteed payout
  • Want coverage for life that doesn’t expire

Bad If:

  • You have large debts
  • Need larger amounts of coverage

Senior Life Insurance Quotes

Below are some sample quotes for seniors for different products.

Note: Rates are monthly for non-smoking females.

Final Expense Whole Life Quotes


Term Life Insurance Quotes


Note: Term rates are subject to medical underwriting. You may only qualify for rates that are higher than these.

How To Get Accurate Senior Life Insurance Quotes

The only way to get 100% accurate senior life insurance quotes is to talk to an independent agent like us at Seniors Mutual.

We will need to go over all of your health issues, is any, to see what products you qualify for.

For final expense whole life, most people qualify for the best rates available, unless you have very serious health conditions like cancer or congestive heart failure.

How To Choose A Senior Life Insurance Company

When choosing a life insurance company, you should take into account their A.M. Best rating, consumer reviews, and final price.

You should also take note of if the company mandates a two-year waiting period or not.

Many commercials you see on t.v. are for companies that have two-year waiting period.

Most seniors can qualify for immediate coverage if they work with an independent agency like us.


If you are looking for senior life insurance quotes, you’ve come to the right place!

You can compare 15+ of the top insurance carriers here on our website to find the best prices for you.

No matter what product you are looking for, we can go through all of your options so you make an informed decision.

We look forward to speaking with you.