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65 year old senior citizen can get life insurance coverage

A 65 year old senior citizen can get life insurance coverage.  One of the most important factors that all insurance companies look at is your age. As a 65 year old senior citizen looking to buy life insurance coverage, the insurance company is always going to look at your age and dozens of different factors to decide how much to charge you for your coverage. If you are one of the many Americans without life insurance coverage at this age, chances are you are in need of coverage. The insurance company is going to determine how great of a risk you are to them. The more the risk, the higher the monthly premiums that you’ll pay. At SeniorCareLife.com we have many years of experience helping people ages 65 and and older get whole life insurance policies with major life insurance companies at great rates. Call 678-468-5163 to speak With a licensed Agent

“Life insurance for people over 65 years old” is getting lot of search

These days many people still have mortgages and debts that need to be taken care of should they die within the next few decades, and may seniors have dependent family members. That is why “life insurance for people over 65 years old” is getting lot of search as many retires are looking ahead to protect their families from high funeral and final expense costs. You may be 65 years old and doing the same thing. Kudos to you for looking out for your family. If you have not yet purchased a life insurance policy, you are at the right website as we have great options for you in getting an affordable policy – regardless of your health condition. Your choices are not just limited to the AARP. We have other great options for you to consider which can cost less than AARP. We work with many of the best major life insurance companies to get you the best rates.

At Age 65 You Can Get Life Insurance With No Health Questions or Medical Exam

If you are age 65 and want to get life insurance protection as quickly as possible, then a no medical exam and no health questions option is going to be your best choice. With a no medical exam life insurance policy application, you won’t have to wait for the life insurance company to review your doctor’s medical exam results in order to determine coverage. The purpose of the medical exam is to give the insurance company information on your overall health in order to determine risk. This enables them to determine how much to charge you for your life insurance premium. Some seniors don’t know that it is possible to get a whole life insurance policy without a medical exam or answer health questions.

Advantages And Disadvantages Of Getting A Guaranteed Acceptance Whole Life Insurance Policy

With a no medical exam and no health questions life insurance policy, the advantage is that anyone can buy one of these plans, regardless of their health or pre-existing medical conditions. So long as they meet the qualify by age requirement. Another advantage is that you can be approved for coverage much faster than you can with a traditional life insurance plan. When you’re looking to get life insurance with no medical exam or health questions, there are several advantages and disadvantages to these plans that you should take note of to ensure that you’re getting the best plan that meet your coverage needs. One main advantage is that you are Guaranteed Coverage. You cannot be denied so long as you meet the age requirements (usually age 50 to 80). At Senior Care Life we have policies with qualifying age of up to 85.

Another advantage is quick process and approval as there is no need to check medical records.  The most notable drawback of these plans is a waiting period on full face value payout to the beneficiary.  Most plans have a Graded Benefit during the first 2 years. The policy pays 110% of total premiums paid if insured dies within first 2 years and death is not due to an accident. Full Death Benefit paid at any time if death is due to an accident. For Non Accidental Death the policy pays Full Death Benefit any time after the first 2 years. We have major carriers with acceptance for ages 50-85. No health questions or medical exam to qualify.  It’s important that your family has the protection that they need, and your health shouldn’t prevent you from getting life insurance coverage. Some seniors may be overweight and needing obese life insurance coverage. This is a great option for them as weight is not considered as a criteria for coverage.  This option is great for those that will not pass the traditional medically underwritten life insurance application exam; example seniors seeking life insurance coverage with cancer. Keep in mind that the insurance company is taking a greater risk, without you getting medical exam or answering health questions, they offset the risk cost by charging your higher premium on a guaranteed acceptance policy.

Most Life Insurance companies have a cut off age of 80. However there are companies that provide coverage with qualifying age up to 85. Our A+ Rated life insurance carriers will provide you with life insurance coverage. At senior care life, we specialize in finding coverage for seniors up to age 85. We can get you a Whole Life Insurance Policy with No Medical Exam. Age 55, 65 up to age 85.

Most insurance companies will provide coverage in the following categories:

65 Year Old Senior Citizen Can Get Life Insurance 
No Medical Exam

If you are 65 years old, fill out the contact form above for a Quick Quote from a Licensed Senior Life Insurance Professional in Your State. Your policy can cost as little as $1 a day.

We can get you a Whole Life Insurance Policy with No Medical Exam even if you have major illnesses.

If you have already requested your senior whole life insurance quote, our agents will call you back soon as possible to discuss your condition and give you a free no obligation quote on your whole life insurance policy. Yes! A 65 year old senior citizen can get life insurance coverage.