{"id":4286,"date":"2019-08-17T23:10:07","date_gmt":"2019-08-17T17:10:07","guid":{"rendered":"https:\/\/itgust.com\/?p=4286"},"modified":"2021-11-07T16:47:49","modified_gmt":"2021-11-07T16:47:49","slug":"affordable-life-insurance-for-seniors","status":"publish","type":"post","link":"https:\/\/itgust.com\/affordable-life-insurance-for-seniors\/","title":{"rendered":"10 Best Affordable Life Insurance For Seniors"},"content":{"rendered":"\n<p>Did you know the longer you wait to purchase life insurance, it gets more expensive? It does not matter that you are in top physical form. This is because when buying a life insurance at 60, it will often be costlier than buying the same at 30 or 40. But that does not mean there is no affordable life insurance for seniors in the market.<\/p>\n\n\n\n<p>There are good reasons to buy life insurance as an older adult, or simply a senior. First, you\u2019ll get the top picks for term life insurance for seniors. Then you\u2019ll get an in-depth review of each of the life insurance top picks letting you know why they are worth it. You can also check out our latest <a href=\"https:\/\/itgust.com\/life-insurance-for-elderly-parents-over-80\/\">life insurance for elderly parents over 80<\/a> for more tips.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Affordable Life Insurance For Seniors<\/h2>\n\n\n\n<p>If you are shopping for life insurance, one of the first things you should do is getting multiple quotes. You must have heard that life insurance aspects like policies, premium, and options available can change with ageing. That is true.<\/p>\n\n\n\n<p>However, with regard to your specific situation, it helps to compare different life insurance for senior citizens. This will go a long way to attaining top policies and premiums suitable to your situation. Some providers, for instance, have <a href=\"https:\/\/itgust.com\/life-insurance-for-seniors-over-70-no-medical-exam\/\">life insurance for seniors over 70 no medical exam<\/a> policies.<\/p>\n\n\n\n<p>But rest assured, anyone can still obtain life insurance policies to meet their needs irrespective of the age bracket. Peace of mind for you and your family comes when you know you\u2019ve planned for any unforeseen circumstances. And since everyone is at different levels in their journey of life insurance, this review has tried to deliver the most relevant information to help to make decisions easier.<\/p>\n\n\n\n<p>When recommending affordable life insurance policy for an seniors, there are important factors to consider. They include:<\/p>\n\n\n\n<ul><li>Age<\/li><li>Lifestyle<\/li><li>Health<\/li><li>Pre-existing conditions<\/li><li>Overall needs<\/li><\/ul>\n\n\n\n<p>Here are the top 10 affordable life insurance for seniors.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Insurance company<\/strong><\/td><td><strong>Death benefit ranges (No Medical Exam)<\/strong><\/td><\/tr><tr><td>Assurity<\/td><td>$50,000 \u2013 $350,000<\/td><\/tr><tr><td>Banner<\/td><td>Not available for clients over 50<\/td><\/tr><tr><td>Fidelity<\/td><td>$25,000 \u2013 $250,000<\/td><\/tr><tr><td>Foresters<\/td><td>$2,000 \u2013 $35,000<\/td><\/tr><tr><td>Gerber<\/td><td>$5,000 \u2013 $25,000<\/td><\/tr><tr><td>Lincoln Financial<\/td><td>$100,000 \u2013 1,000,000<\/td><\/tr><tr><td>Minnesota Life<\/td><td>$50,000 \u2013 $249,000<\/td><\/tr><tr><td>North American Company<\/td><td>$50,000 \u2013 $500,000<\/td><\/tr><tr><td>Prudential<\/td><td>Up to $1,000,000<\/td><\/tr><tr><td>Transamerica<\/td><td>$25,000 \u2013 $249,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Life Insurance Premiums For Seniors<\/h2>\n\n\n\n<p>When purchasing life insurance premiums for the first time, seniors tend to pay higher compared to younger persons. Nonetheless, many life insurance firms can offer affordable life insurance policies for individuals regardless of age. Check out the samples below for consideration.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Life Insurance for Over 50<\/h3>\n\n\n\n<p>This is a monthly sample, for a 10-year term, life insurance for seniors with over 50 years. The quotes here are premiums for non-tobacco males, taken on the <a href=\"https:\/\/termlife2go.com\/best-life-insurance-for-seniors\/\" target=\"_blank\" rel=\"noreferrer noopener\">February 2017<\/a>. While the rates here are bound to change and whose qualifications you must meet, they give clear insights on what to expect in the life insurance market for senior citizens.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>AGES<\/strong><\/td><td><strong>$100,000<\/strong><\/td><td><strong>$250,000<\/strong><\/td><td><strong>$500,000<\/strong><\/td><td><strong>$1,000,000<\/strong><\/td><\/tr><tr><td>50<\/td><td>$14.15<\/td><td>$23.81<\/td><td>$41.76<\/td><td>$74.88<\/td><\/tr><tr><td>51<\/td><td>$15.06<\/td><td>$26.21<\/td><td>$46.56<\/td><td>$83.99<\/td><\/tr><tr><td>52<\/td><td>$16.06<\/td><td>$28.83<\/td><td>$51.83<\/td><td>$94.50<\/td><\/tr><tr><td>53<\/td><td>$17.14<\/td><td>$31.69<\/td><td>$57.57<\/td><td>$105.88<\/td><\/tr><tr><td>54<\/td><td>$18.32<\/td><td>$34.81<\/td><td>$63.85<\/td><td>$116.74<\/td><\/tr><tr><td>55<\/td><td>$19.61<\/td><td>$38.21<\/td><td>$70.68<\/td><td>$129.69<\/td><\/tr><tr><td>56<\/td><td>$21.02<\/td><td>$41.65<\/td><td>$77.29<\/td><td>$142.96<\/td><\/tr><tr><td>57<\/td><td>$22.55<\/td><td>$45.36<\/td><td>$84.43<\/td><td>$157.31<\/td><\/tr><tr><td>58<\/td><td>$24.21<\/td><td>$49.39<\/td><td>$92.18<\/td><td>$172.88<\/td><\/tr><tr><td>59<\/td><td>$26.29<\/td><td>$54.44<\/td><td>$101.90<\/td><td>$192.40<\/td><\/tr><tr><td>60<\/td><td>$28.63<\/td><td>$60.13<\/td><td>$112.83<\/td><td>$214.36<\/td><\/tr><tr><td>61<\/td><td>$32.64<\/td><td>$67.67<\/td><td>$127.28<\/td><td>$240.85<\/td><\/tr><tr><td>62<\/td><td>$37.11<\/td><td>$76.06<\/td><td>$143.35<\/td><td>$270.32<\/td><\/tr><tr><td>63<\/td><td>$41.98<\/td><td>$85.21<\/td><td>$160.89<\/td><td>$302.47<\/td><\/tr><tr><td>64<\/td><td>$47.21<\/td><td>$95.03<\/td><td>$179.72<\/td><td>$337.01<\/td><\/tr><tr><td>65<\/td><td>$52.73<\/td><td>$105.42<\/td><td>$199.61<\/td><td>$373.48<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Life insurance appraisals for seniors 60 to 80<\/h3>\n\n\n\n<p>This appraisal is for a 10-year term, monthly life insurance for seniors using the non-tobacco premiums. It is for a male senior as of February 2017. The rates here are bound to change and you must qualify individually for the policy.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Ages<\/strong><\/td><td><strong>100,000<\/strong><\/td><td><strong>250,000<\/strong><\/td><td><strong>500,000<\/strong><\/td><\/tr><tr><td>60<\/td><td>2.863,00<\/td><td>6.013,00<\/td><td>11.283,00<\/td><\/tr><tr><td>65<\/td><td>5.273,00<\/td><td>10.542,00<\/td><td>20.298,00<\/td><\/tr><tr><td>70<\/td><td>8.934,00<\/td><td>17.962,00<\/td><td>31.934,00<\/td><\/tr><tr><td>75<\/td><td>15.848,00<\/td><td>34.313,00<\/td><td>66.622,00<\/td><\/tr><tr><td>80<\/td><td>35.621,00<\/td><td>74.834,00<\/td><td>149.056,00<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Finding The Best Affordable Life Insurance For Seniors<\/h2>\n\n\n\n<p>Life insurance is not a one-size fits all service. Therefore, the best life insurance policy varies depending on your individual needs. An agent will gather ample information to come up with the most affordable life insurance for seniors. It does not matter whether you need guaranteed acceptance life, final expense and death benefit life cover, no medical exam life cover, or survivorship life cover, consider using the many policy aggregator tools online.<\/p>\n\n\n\n<p>Exploring life insurance can seem intimidating at first. Thereafter, you should find it easy obtaining the policy you need.\u00a0The following are some of the essential life insurance terms you should know:<\/p>\n\n\n\n<ul><li><strong>Survivorship Life Insurance :\u00a0<\/strong>Previously known as second-to-die insurance, <a href=\"https:\/\/www.protective.com\/learning-center\/life-101\/policy-types\/what-is-survivorship-life-insurance-and-how-is-it-used\/\" target=\"_blank\" rel=\"noreferrer noopener\">survivorship life insurance<\/a> is a joint life insurance plan between two individuals. It is particularly useful for those who pay hefty taxes for their estate. The policy basically helps your heirs or family to inherit your estate without liquidating assets. However, the plan does not pay out until the second person covered in the policy is deceased. It is for this reason that the policy was formerly known as second-to-die insurance.<\/li><li><strong>Death Benefit :\u00a0<\/strong>\u201cDeath benefit\u201d may sound like an off-putting term. In the context of life insurance, however, it basically refers to the amount of compensation that a beneficiary receives from the policy, once the policyholder is deceased.<\/li><li><strong>Face Value :\u00a0<\/strong>Face value is the monetary value a beneficiary receives if the policyholder is deceased. Therefore, in terms of the policies under discussion, face value refers to the death benefit of a policy.<\/li><li><strong>Term Insurance Policy :\u00a0<\/strong>Term insurance policy means that benefactors get a death benefit if the holder of the policy passes away within a specific space of time.<\/li><li><strong>Guaranteed Acceptance Life Insurance\u00a0<\/strong>: For the majority of senior citizens, this is the way to go. Just as the name suggests, it is easier obtaining guaranteed acceptance life insurance in comparison with other types of life cover. This means that if you have pre-existing conditions or medical concerns, you can still easily merit for this policy. Actually, there are no questions to answer gravitating towards your health. This is unlike most life insurance plans out there. Guaranteed acceptance life insurance can make it easy to pay for unsettled funeral expenses, medical expenses, and other unpaid bills.<\/li><li><strong>Final Expenses Life Insurance\u00a0<\/strong>: Commonly known as burial insurance policy, final expense insurance helps to cover expenses upon the demise of a policyholder. This policy can help in paying for burial and funeral costs, unsettled bills, and medical expenses just like guaranteed acceptance life insurance. The main difference is that when taking a final expense life insurance, the provider may have a few more questions relating to your health before you qualify. In other words, this plan is not guaranteed unless the insurance firm is sure you meet their health criteria.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"496\" src=\"https:\/\/itgust.com\/wp-content\/uploads\/2019\/08\/affordable-life-insurance-for-seniors.jpg\" alt=\"Affordable Life Insurance For Seniors\" class=\"wp-image-4300\" srcset=\"https:\/\/itgust.com\/wp-content\/uploads\/2019\/08\/affordable-life-insurance-for-seniors.jpg 800w, https:\/\/itgust.com\/wp-content\/uploads\/2019\/08\/affordable-life-insurance-for-seniors-300x186.jpg 300w, https:\/\/itgust.com\/wp-content\/uploads\/2019\/08\/affordable-life-insurance-for-seniors-768x476.jpg 768w, https:\/\/itgust.com\/wp-content\/uploads\/2019\/08\/affordable-life-insurance-for-seniors-750x465.jpg 750w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Reviews of Top 10 Affordable Seniors Life Insurance Firms<\/h2>\n\n\n\n<p>There are many companies and policies from which you can choose. Therefore, this list may or may not give what you need. In order to make sure you are applying with right senior life cover company, the rule of thumb is comparing quotes from multiple companies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Assurity Life Insurance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Free Quote<\/strong><\/td><td>Phone<\/td><\/tr><tr><td><strong>Insurance Products<\/strong><\/td><td>Term, Whole, Universal<\/td><\/tr><tr><td><strong>Issue Age<\/strong><\/td><td>18 to 85<\/td><\/tr><tr><td><strong>Coverage Amount<\/strong><\/td><td>$25,000 to $10,000,000<\/td><\/tr><tr><td><strong>Term Lengths<\/strong><\/td><td>10, 15, 20, or 30 years<\/td><\/tr><tr><td><strong>Ways To File A Claim<\/strong><\/td><td>Online, Phone, Mail<\/td><\/tr><tr><td><strong>Ratings, Accreditation and Memberships<\/strong><\/td><td>BBB, AM Best, B Corporation<\/td><\/tr><tr><td><strong>State Availability<\/strong><\/td><td>Not available in New York<\/td><\/tr><tr><td><strong>Customer Service Options<\/strong><\/td><td>Phone:&nbsp;<strong>800-869-0355<\/strong><br>Email:&nbsp;<strong>salesrequests @ assurity . com<\/strong><\/td><\/tr><tr><td><strong>Policy Riders Offered<\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>When buying whole family cover for seniors from this life insurance firm, you get protection starting from when you sign their agreement. If you are below 65 years, the amounts can go as high as $50,000. However, once you go beyond the 65 age bracket, the maximum is $25,000. The maximum for seniors of age 65 and above would be more ideal for covering funeral and other expenses<\/p>\n\n\n\n<p>You have to answer some health-related questions before the policy is underwritten. For those who need life insurance cover to take care of burial insurance expenses and funeral expenses, this policy from Assurity would be a great choice.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Excellent financial strength<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Transparent reputation<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>It is mutually owned<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>No online quotes<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Limited customer service<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">2. Banner Life Insurance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Free Quote<\/strong><\/td><td>Online, Phone<\/td><\/tr><tr><td><strong>Insurance Products<\/strong><\/td><td>Term, Universal, Final Expense<\/td><\/tr><tr><td><strong>Issue Age<\/strong><\/td><td>20 to 75<\/td><\/tr><tr><td><strong>Coverage Amount<\/strong><\/td><td>$100,000 to $10,000,000<\/td><\/tr><tr><td><strong>Term Lengths<\/strong><\/td><td>10, 15, 20, 25 or 30 years<\/td><\/tr><tr><td><strong>Cost<\/strong><\/td><td>As low as $8 per month*<\/td><\/tr><tr><td><strong>Medical Exam Required<\/strong><\/td><td>Depends on policy<\/td><\/tr><tr><td><strong>Ways To File A Claim<\/strong><\/td><td>Online, Phone, Mail<\/td><\/tr><tr><td><strong>Ratings, Accreditation and Memberships<\/strong><\/td><td>A.M. Best: A+, Standard &amp; Poor&#8217;s: AA-, Fitch Ratings: AA-<\/td><\/tr><tr><td><strong>Customer Service Options<\/strong><\/td><td>Phone, online<\/td><\/tr><tr><td><strong>Policy Riders Offered<\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Banner life insurance tops the list of most life insurance company reviews. The insurance provider is best known for clients with sub-standard risk. That aside, this insurance firm offers some of the most competitive insurance policies, premiums, as well as cover for seniors. A banner provides both term and universal life cover policies.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Accepts most applicants<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Flexible payment options<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Many years in the business<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Fast-track claims<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>Medical exam required<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Strict eligibility for preferred rates<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Annual fee<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">3. Fidelity Life Insurance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Free Quote<\/strong><\/td><td>Online, Phone<\/td><\/tr><tr><td><strong>Insurance Products<\/strong><\/td><td>Term, Whole, Senior, Final-expense<\/td><\/tr><tr><td><strong>Issue Age<\/strong><\/td><td>18 to 60<\/td><\/tr><tr><td><strong>Coverage Amount<\/strong><\/td><td>$25,000 to $1,000,000<\/td><\/tr><tr><td><strong>Term Lengths<\/strong><\/td><td>10, 20, or 30 years<\/td><\/tr><tr><td><strong>Medical Exam Required<\/strong><\/td><td>Depends on policy<\/td><\/tr><tr><td><strong>Ratings, Accreditation and Memberships<\/strong><\/td><td>A.M. Best: A- (Excellent)<\/td><\/tr><tr><td><strong>Policy Riders Offered<\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Fidelity is recommended to a lot of seniors. If you are considering a <a href=\"https:\/\/itgust.com\/life-insurance-for-seniors-over-70-no-medical-exam\/\">no medical life insurance company<\/a>, then Fidelity Life Insurance would be your best bet.<\/p>\n\n\n\n<p>The company\u2019s term life insurance policy, the hybrid, allows you to get life insurance protection within 48 hours. The policy provides 1\/3 of your cover as term coverage and the outstanding as accidental death coverage. Clients are also given choice of taking a medical test up to six months after they sign up. If the medical exams gives you a green bill of health, you can always convert the policy to a traditional one. Do not worry if you fail the medical test, you still retain your existing policy.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Competitive pricing<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Quick and simple to apply<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>30-day free look<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Specialists help with payouts<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>No variable\/universal policies<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Limited whole life policies<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Can\u2019t convert term to permanent<\/li>\n\t<li><i class=\"jegicon-cross\"><\/i>Unsuitable for pre-existing conditions<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">4. Foresters Life Insurance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Free Quote<\/strong><\/td><td>Contact an agent<\/td><\/tr><tr><td><strong>Insurance Products<\/strong><\/td><td>Term life, Whole life, Final expense, Universal life<\/td><\/tr><tr><td><strong>Issue Age<\/strong><\/td><td>18 to 85<\/td><\/tr><tr><td><strong>Coverage Amount<\/strong><\/td><td>$10,000 to $500,000+<\/td><\/tr><tr><td><strong>Term Lengths<\/strong><\/td><td>10, 15, 20, 25 or 30 years<\/td><\/tr><tr><td><strong>Ratings, Accreditation and Memberships<\/strong><\/td><td>A.M. Best Company: A (Excellent)<\/td><\/tr><tr><td><strong>Customer Service Options<\/strong><\/td><td>Customer support number:&nbsp;<strong>800-828-1540<\/strong>&nbsp;from 8 a.m. to 8 pm. ET weekdays<br>Email:&nbsp;<strong>service @ foresters . com<\/strong><\/td><\/tr><tr><td><strong>Policy Riders Offered<\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>In comparison to other insurance providers, Foresters Life Insurance may not be a popular choice. However, this insurance firm offers one of the best life insurance plans and cover for seniors. Even for those with complex medical histories, Foresters does not shy away from taking them as their client. Of more importance to senior citizens is that this provider has some of the most competitive pricing models in the market. Competitive pricing is particularly vital for senior citizens after retirement.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Personalized service<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Full product line<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Fast-tracked applications<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Attractive member benefits<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Charitable contributions<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Financial strength<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>No online quotes<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Short customer service window<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Pushy salespeople<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">5. Gerber Life Insurance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Minimum coverage<\/strong><\/td><td>$5,000<\/td><\/tr><tr><td><strong>Terms available<\/strong><\/td><td>10, 15, 20 or 30 years<\/td><\/tr><tr><td><strong>Payment methods<\/strong><\/td><td>Credit or debit card, check or money order<\/td><\/tr><tr><td><strong>Medical exam required<\/strong><\/td><td>No, depending on policy and age<\/td><\/tr><tr><td><strong>Temporary underwriting coverage<\/strong><\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>You should not be surprised to find Gerber here just because they are well-known for their life insurance plans covering children and youth. This is one of our top rated insurance firms for senior citizens.<\/p>\n\n\n\n<p>Gerber Life Insurance always provides no medical exam and no health questions life insurance policy for older adults. This policy is particularly popular with senior citizens who need cover from burial insurance firms or top final expense. If you find yourself uninsurable by the majority of life insurers because of a pre-existing condition, this insurance provider still provides a great policy. Due to that, we highly recommend Gerber Life Insurance plans to seniors.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Plenty of policies to choose from<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Medical tests not required<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>Not your best savings option<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>A child rider can provide similar protection<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>One rider mentioned on their website<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">6. Lincoln Financial<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Free Quote<\/strong><\/td><td>Through an advisor<\/td><\/tr><tr><td><strong>Insurance Products<\/strong><\/td><td>Term, Universal, Indexed Universal, Variable Universal<\/td><\/tr><tr><td><strong>Issue Age<\/strong><\/td><td>18 to 60<\/td><\/tr><tr><td><strong>Coverage Amount<\/strong><\/td><td>$100,000 to $1,000,000<\/td><\/tr><tr><td><strong>Term Lengths<\/strong><\/td><td>10, 15, 20 or 30 years<\/td><\/tr><tr><td><strong>Medical Exam Required<\/strong><\/td><td>Depends on policy<\/td><\/tr><tr><td><strong>Ways To File A Claim<\/strong><\/td><td>Phone, Online.<\/td><\/tr><tr><td><strong>Ratings, Accreditation and Memberships<\/strong><\/td><td>A.M. Best: A+, Standard and Poor&#8217;s: AA-, Moody&#8217;s: A1<\/td><\/tr><tr><td><strong>State Availability<\/strong><\/td><td>Not available in New York<\/td><\/tr><tr><td><strong>Customer Service Options<\/strong><\/td><td>Phone, Online<\/td><\/tr><tr><td><strong>Policy Riders Offered<\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The senior life insurance cover from Lincoln Financial caters to seniors of age 70 and above. This coverage includes the term and whole life insurance plan for seniors over 80. You can find evidence to this by checking their liberal body mass index chart highlighting females and males 70 and above.<\/p>\n\n\n\n<p>In addition, the insurance provider increases the limit for seniors 70 and older under diabetic life insurance. Most of all, Lincoln Financial has highly competitive life insurance policies and rates for seniors. They often rank top 3 among insurance providers with coverage for seniors 70 and above.<\/p>\n\n\n\n<p>However, Lincoln Financial will consider you insured if you have seen their personal physician in the last 12 months.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Established and financially sound<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Comprehensive options<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Multiple underwriting niches<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>You can\u2019t apply online<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>No whole life option<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Not the cheapest provider<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">7. Minnesota Life<\/h3>\n\n\n\n<p>This is an up and comer in the category of life insurance protection for seniors. Minnesota Life continues to rank top among senior term life insurance rates in various categories. This company endeavors to remain competitive by having a clear understanding of business submissions to the older-age applicants.<\/p>\n\n\n\n<p>They have extensive knowledge in mature underwriting, as well as cognitive and mobility tests. This expertise ensures the company offers a preferred, non-tobacco plus, and preferred select underwriting classes to majority applicants up to the age of 85.<\/p>\n\n\n\n<p>This is definitely one of the most recommended term life insurance firms and policies for senior citizens in the marketplace.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. North American Company<\/h3>\n\n\n\n<p>This is another great choice among the top life insurance for senior citizens. North American Company features an A.M. Best A+ rating. To be specific, this insurer is exemplary for life insurance catering to 60+ seniors. This is because the company has a solid product offering plus exceptionally competitive rates for older clients. Their cheap premiums alone are sufficient to make nearly any older adult happy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9. Prudential<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Free Quote<\/strong><\/td><td>Fill out an online form<\/td><\/tr><tr><td><strong>Insurance Products<\/strong><\/td><td>Term, Universal, Variable Universal, Indexed Universal, Survivorship Universal<\/td><\/tr><tr><td><strong>Issue Age<\/strong><\/td><td>18 to 75<\/td><\/tr><tr><td><strong>Coverage Amount<\/strong><\/td><td>$100,000 to $10,000,000<\/td><\/tr><tr><td><strong>Term Lengths<\/strong><\/td><td>10, 15, 20, or 30 years<\/td><\/tr><tr><td><strong>Medical Exam Required<\/strong><\/td><td>Yes<\/td><\/tr><tr><td><strong>Customer Service Options<\/strong><\/td><td>Phone, Online<\/td><\/tr><tr><td><strong>Policy Riders Offered<\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Also known as Pruco Life Insurance Company, Prudential has remarkable brand recognition. The reason for this, however, is not good marketing. Prudential Life Insurance has some of the most attractive policies suitable for seniors in various scenarios. One of the things that makes Prudential exceptional is their special underwriting guidelines, which tend to work in your favor if:<\/p>\n\n\n\n<ul><li>You are a tobacco user<\/li><li>You are a cancer survivor<\/li><li>You are looking for diabetic life insurance<\/li><\/ul>\n\n\n\n<p>Offering the most affordable life insurance for seniors, Prudential\u2019s guidelines ensure you get protection no matter what.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Possible rate reductions<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Lenient underwriting guidelines<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Actual age<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>No whole life insurance<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Lengthy approval process<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Strict underwriting for best rates<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">10. Transamerica Life Insurance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Free Quote<\/strong><\/td><td>Online, Phone<\/td><\/tr><tr><td><strong>Insurance Products<\/strong><\/td><td>Term, Whole, Universal, Index universal, Final expense<\/td><\/tr><tr><td><strong>Issue Age<\/strong><\/td><td>18 to 80<\/td><\/tr><tr><td><strong>Coverage Amount<\/strong><\/td><td>$25,000 to $10,000,000<\/td><\/tr><tr><td><strong>Term Lengths<\/strong><\/td><td>10, 15, 20, 25, or 30 years<\/td><\/tr><tr><td><strong>Medical Exam Required<\/strong><\/td><td>Depends on policy<\/td><\/tr><tr><td><strong>State Availability<\/strong><\/td><td>Certain policies not available in New York<\/td><\/tr><tr><td><strong>Customer Service Options<\/strong><\/td><td>Phone, Online<\/td><\/tr><tr><td><strong>Policy Riders Offered<\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Transamerica remains the senior term life insurance firm of choice for many. This company consistently provides some of the best term and whole life insurance protection for seniors of age 70 and up.<\/p>\n\n\n\n<p>In total contrast to some of its reputable competitors, this life insurance firm proves to work with elderly citizens, and not against them. Transamerica also provides elderly term life coverage for seniors above 80.<\/p>\n\n\n\n<div class=\"jeg_reviewdetail\">\n<div class=\"conspros\">\n<b>PROS<\/b>\n<ul>\n \t<li><i class=\"jegicon-check\"><\/i>Wide selection<\/li>\n \t<li><i class=\"jegicon-check\"><\/i>Financially sound<\/li>\n\t<li><i class=\"jegicon-check\"><\/i>Unique underwriting leniencies<\/li>\n<\/ul>\n<\/div>\n<div class=\"conspros\">\n<b>CONS<\/b>\n<ul>\n \t<li><i class=\"jegicon-cross\"><\/i>No online claims form<\/li>\n \t<li><i class=\"jegicon-cross\"><\/i>Below average customer service<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Factors To Consider While Picking The Best Insurance Policy<\/h2>\n\n\n\n<ul><li><strong>Financial stability :\u00a0<\/strong>While people buy life insurance policies for many reasons, the major one is to ensure their loved ones are left in good financial shape in case of any eventualities.<\/li><li><strong>Products offered :\u00a0<\/strong>Term and permanent life insurance are the two most widespread life insurance products in the marketplace. A good insurer should carry both products or just specialize in one.<\/li><li><strong>Customer satisfaction :\u00a0<\/strong>Some of the most experienced insurers in the market like SBLI with over 100 years in operation rely on excellent customer satisfaction. Always check third-party ratings such as <a href=\"http:\/\/www.ambest.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">A.M. Best<\/a> for better insights.<\/li><li><strong>Cost of cover :\u00a0<\/strong>With healthy competition in the life coverage industry, most providers have been able to keep their premiums down. However, do not instinctively buy the least costing plan. Always ensure to get the best value for the cost of coverage.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Getting a life protection policy as a senior citizen does not have to be intimidating. With the right information and comparison-shopping, you will find the best affordable life insurance for seniors. Here are some brief pointers to help you obtain the best insurance cover as a senior citizen<\/p>\n\n\n\n<ul><li>Check out the risk factors<\/li><li>Do not delay to purchase life insurance to avoid paying more<\/li><li>Choose the right policy, not the right insurance firm<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Did you know the longer you wait to purchase life insurance, it gets more expensive? It does not matter that you are in top physical form. This is because when buying a life insurance at 60, it will often be costlier than buying the same at 30 or 40. But that does not mean there [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4300,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[622],"tags":[1036],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Best Affordable Life Insurance For Seniors - ITGust<\/title>\n<meta name=\"description\" content=\"Did you know the longer you wait to purchase life insurance, it gets more expensive? 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