Illustrative Monthly Rates at Age 70
The estimates below are illustrative for a 70-year-old non-tobacco applicant and will differ by sex, health tier, carrier, and state. Tobacco users generally pay more. Treat these as a starting point rather than a quote.
- ✓$5,000 of coverage: roughly $30-$50 per month
- ✓$10,000 of coverage: roughly $60-$100 per month
- ✓$15,000 of coverage: roughly $90-$150 per month
- ✓$25,000 of coverage: roughly $150-$250 per month
Why Age 70 Is Still a Common Time to Buy
Seventy sits comfortably within the typical issue-age window, so both simplified issue and guaranteed acceptance plans are usually available. Many common, well-managed conditions do not prevent approval.
Buying now also locks the rate before it rises further, which is why 70 is a frequent starting point for coverage.
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What Raises or Lowers a 70-Year-Old's Rate
Within age 70, several factors move the premium up or down:
- ✓Tobacco use, which typically increases the rate
- ✓Sex, with women often priced slightly lower
- ✓Your health tier on a simplified issue plan
- ✓Whether you choose a level or guaranteed acceptance plan
- ✓The face amount you select
How to Lock the Lowest Rate at 70
To keep the premium down, apply while you are 70 rather than waiting for the next birthday, and pursue simplified issue if your health qualifies you for a level, day-one benefit.
Comparing several strong carriers for the same coverage is one of the most effective ways to find a better rate.