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Life Insurance Over 60 Years of Age

If you are in your sixties there may be several reasons why you are looking for life insurance coverage:

  • You don't want to leave your heirs with debts to pay
  • You want your final expenses covered
  • You want to make sure your grand kids will have their college education paid for
  • You want to leave your spouse in a good financial standing

No matter the reason, the sooner you think about getting life insurance coverage, the better.

The older you get, the more expensive your rates will get, plus you risk being afflicted by a medical condition that will prevent you from being accepted for a policy.

Life insurance rates have never been this affordable. People's life expectancy keeps on going up, so insurance companies are more than happy to insure older individuals, as long as they are in fair health and don't engage in any risky behaviors.

If you and your spouse are both buying life insurance at the same time, you'll notice that a women's rates are cheaper than the men's.

Also, if you are a smoker, your rates on average, are 3 to 4 times higher.


Monthly Rates Example

10 year term policy rates for a woman, non smoker, in good health.

$50,000 $100,000 $200,000 $300,000 $500,000
60 year old female $44.44 $25.56 $45.78 $54.56 $86.46
61 year old female $49.25 $27.14 $48.73 $60.18 $96.54
62 year old female $52.75 $28.98 $52.60 $66.91 $106.80
63 year old female $56.17 $31.34 $57.33 $72.28 $117.20
64 year old female $60.03 $33.50 $63.10 $79.12 $128.82
65 year old female $39.63 $38.10 $66.92 $81.06 $148.30
66 year old female $43.98 $42.59 $73.53 $87.59 $162.31
67 year old female $44.86 $47.77 $80.05 $93.32 $177.32
68 year old female $49.20 $53.42 $87.63 $100.47 $194.25
69 year old female $53.34 $59.02 $96.57 $111.78 $221.70
70 year old female $59.29 $67.30 $107.20 $128.35 $247.05


Example rates as off 1/20/17 - This is just an example - the underwriting insurance company will decide your exact rates.

 

 

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