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Life insurance over 70 — plans that still say yes
Reviewed by licensed insurance agents· Updated July 2026
Buyers in their 70s are 30% of our book — proof that coverage after 70 is normal, not exceptional. Here is what the plans cost and which type fits.
Quick answer
Buyers aged 70-79 make up 30% of our 1,595 placed policies — averaging about $110/month at 70-74 and $134/month at 75-79. Healthy applicants get day-one simplified issue; guaranteed acceptance runs to age 85. Most choose $10,000-$25,000 of whole-life coverage.
Plans available after 70
| Plan type | Health questions | Coverage starts | Avg cost (our book) |
|---|---|---|---|
| Simplified issue | A few | Day one | ~$110-134/mo |
| Guaranteed issue | None | 2-yr graded | Higher per $1,000 |
70-79 = 30% of our book — the second-biggest band after 60-69. Estimates based on our own placed-policy data (our internal systems), not carrier-published quotes.
Frequently asked questions
Can I get life insurance at 75?
Yes — simplified issue with day-one benefits if reasonably healthy, or guaranteed acceptance regardless of health, to age 85.
What does it cost over 70?
From our book: about $110/month at 70-74 and $134/month at 75-79 on average.
Which coverage amount should I pick?
Most over-70 buyers choose $10,000-$25,000 — funeral plus final bills. Larger tiers remain available via simplified issue.
Is a medical exam required?
No — every plan we place over 70 is no-exam.
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