What Coverage Is Available After 70
At 70 and beyond, final expense insurance is broadly available. Simplified issue plans offer a level, day-one benefit to those who qualify, and guaranteed acceptance plans are open to nearly everyone in the age range. There is no medical exam.
Face amounts commonly reach $25,000 or more, though limits vary by carrier and state.
What Seniors Over 70 Typically Pay
Premiums are higher than at younger ages but remain fixed once the policy is issued. For a mid-range coverage amount, many applicants in their 70s pay somewhere from the mid-double digits to over $100 a month.
These are illustrative ranges; your actual rate depends on age, sex, tobacco use, health, and carrier.
Get a Personalized Rate in Minutes
Speak with a licensed agent who can quote your exact rate based on your age, state, and health — free and with no obligation.
Qualifying With Common Health Conditions
Reaching 70 with a few managed conditions rarely closes the door. Simplified issue plans often accept controlled blood pressure, cholesterol, or type 2 diabetes.
If a condition is more serious, guaranteed acceptance provides a path that asks no health questions at all.
Choosing the Right Amount After 70
Rather than defaulting to a big round number, size the policy to what you actually want covered — a funeral and burial, plus any small debts.
Buying only what you need keeps the fixed premium comfortable for the years ahead.