A published table is not your price
Age, tobacco, gender, state, and face amount all move a premium. This desk is not posting a monthly number as if it were yours.
Advertorial
Life coverage after 60 is still sold by state. The exam is optional at many companies — not at all of them.
Age raises the price. Health history can close a door. That is why so many households look at final-expense and guaranteed-issue products instead of a full medical underwrite. This page matches you to a third-party form that uses your region. It does not approve you, price you, or promise a policy.
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See companies in your region
Eligibility is decided by the carrier · Coverage is not guaranteed
Photograph for this advertorial. Carriers set age limits, underwriting, and waiting periods. A quote is not an issued policy. If the artwork still says “at any age” or “easy to get covered,” replace that file.
Why the application gets harder with age
Traditional term and fully underwritten whole life still want labs, a paramedical exam, or at least a long health interview. After 60 — and especially after 70 — more applicants are declined, rated, or told the face amount they want is off the table.
The products built around that problem are usually smaller on purpose: final-expense whole life, simplified issue, and guaranteed issue. They are sold as burial-and-bills coverage, not as a large income-replacement policy. Face amount is whatever the carrier will write for that applicant — this page does not publish a schedule.
Exam vs. questions vs. neither
Most companies active in this niche skip a nurse visit and blood draw. That is not the same as “no medical information.” Simplified-issue still asks health questions. Guaranteed-issue generally does not — and usually grades the benefit for two years.
Your region is not a formality
Life products are filed by state. A company on the form in one region may not be licensed, priced, or offering the same rider next door. That is why the quote link carries a region code.
Final expense is the usual job
These policies are sold to help with funeral and last bills. That is the use case. It is not a statistic this page can certify.
No guarantees. This page does not guarantee approval, a premium, a face amount, or that a company will skip medical records. “Most” is not “all.”
Match to companies that file in your state
Continue to a licensed comparison form. Participating carriers and producers see the region on the request.
See companies in your region You can leave the form without buyingThree underwriting doors, not one
Fully underwritten. Exam or records possible. Larger face amounts. Harder after a certain age or diagnosis.
Simplified issue. Usually no exam. Short yes/no health list. Prescription or MIB checks are still common. A “no exam” slogan does not mean “no medical review.”
Guaranteed issue. Typically no exam and no health questions. Almost always a two-year waiting or graded period for non-accidental death. Premiums are higher for the same face amount because the company takes everyone who meets the age rules.
Most of the companies this form works with live in the second and third columns. Not every participant skips records. Read the application in front of you.
A policy illustration is not coverage. Nothing is in force until the carrier issues it and the first premium is paid.
What a rate table cannot tell you from this page
Price is driven by age, gender, tobacco, face amount, the state filing, and — when the product asks them — health questions. Simplified issue and guaranteed issue are different doors. One is not automatically cheaper for you. Named consumer sites did not write this advertorial, and this desk is not reprinting their charts.
Name a beneficiary. A small policy that sits in probate is slower money than families expect.
Read the waiting period before you compare the monthly draft
Guaranteed-issue contracts commonly return premiums plus a modest interest factor if death from illness occurs in the first two years. Accidental death is often paid in full from day one. That structure is how a company can skip the exam. It is also why a cheaper simplified-issue policy with day-one coverage can be the better fit when the health questions can be answered honestly.
See what is filed for your region
The next page is operated by a third party. Someone may call to finish a quote. You do not have to buy.
See companies in your region Not an approval · Subject to underwritingAfter you click
You leave Senior Life Quote Guide and go to quotes.nationallifecoverage.org. That operator may share what you submit with insurers or licensed producers. This site does not sell life insurance and does not bind coverage.
FAQ
Will every company skip the medical exam?
No. Most participants in this niche skip a paramedical exam. Some still pull records, run a prescription check, or ask health questions. Guaranteed-issue products generally ask none — and grade the benefit.
Am I approved when I click?
No. Approval is the carrier’s decision after the application.
Is this journalism?
No. This is an advertorial — paid promotional content for a quote-matching offer.
Why does the link include my state?
Life products are state-filed. The form uses a region code so participating companies can return what they actually offer where you live.
Check participating companies for your state
Rates, waiting periods, and medical rules vary. Read whatever illustration you are given.
See companies in your region Free to request · No obligation