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.

About our rate data: premium figures from our placed-policy data (“our book”) are real premiums from Guaranteed Issue and Simplified Issue life insurance policies placed through our service for seniors aged 50–80 — not carrier-published quotes or fully underwritten term rates. Premiums vary by age, gender, health and coverage amount. See our full methodology.

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.

Compare over-70 plans

Simplified and guaranteed options side by side — free, no exam, no obligation.

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