---
title: Life Insurance for a 65 Year Old: Rates and Options
url: https://coverfolk.com/seniors/age/65
updated: 2026-10-08
---

# Life insurance for a 65 year old

Updated October 8, 2026[Fact checked](/editorial-standards)

Age**65**

Women**$41**

Men**$54**

Sample monthly price, $10,000 final expense, non tobacco.

The short answer

At 65, a $10,000 final expense policy runs about $41 a month for a woman and $54 for a man in a published national sample. A $250,000, 20 year term policy is about $178 for a woman and $245 for a man.

## Sample prices at 65

| Policy | Women | Men |
| --- | --- | --- |
| **$10,000 final expense** | $41 | $54 |
| **$250,000 term, 20 years** | $178 | $245 |
| **$500,000 term, 20 years** | $415 | $591 |

Final expense: Choice Mutual, Rates valid as of March 9, 2026. Term: MoneyGeek, Updated September 22, 2026. Not quotes.

## Your options at 65

**Term life**

Most coverage per dollar. Many companies sell 10 or 15 year terms at this age. [More on term life](/coverage/term-life)

**Final expense**

A small whole life plan for the funeral and last bills. [More on final expense](/coverage/final-expense)

**Guaranteed issue**

No health questions, with a waiting period. [More on guaranteed issue](/coverage/guaranteed-issue)

**Whole life**

Lifetime coverage with a fixed price. [More on whole life](/coverage/whole-life)

## What waiting costs

In the same published sample, the $10,000 price goes from $41 at 65 to $53 at 70 for women, and from $54 to $70 for men. Final expense prices are locked when you buy, so the age you buy at sets your price for life.

At 65, a healthy person can often still choose between term life for the most coverage and a small whole life plan that never runs out. Many people do both: term for the mortgage and a small final expense policy for the funeral.

A funeral with burial had a national median cost of $8,300 in 2023. [Funeral costs by state](/funeral-costs).

## Other ages

[Age 50](/seniors/age/50)[Age 55](/seniors/age/55)[Age 60](/seniors/age/60)[Age 70](/seniors/age/70)[Age 75](/seniors/age/75)[Age 80](/seniors/age/80)[Age 85](/seniors/age/85)

## Common questions

Can a 65 year old get life insurance?

Yes. At 65 you can usually choose term life, whole life or a final expense plan, depending on your health.

How much is a $10,000 policy at 65?

A published national sample shows $41 a month for a woman and $54 for a man, non tobacco. Your price depends on your health and the company.

Do I need a medical exam at 65?

Not always. Many final expense plans use health questions only, and guaranteed issue plans ask none.

## Sources

1. [Choice Mutual, $10,000 Life Insurance Rates](https://choicemutual.com/life-insurance-cost/10000/)
2. [MoneyGeek, How Much Does Term Life Insurance Cost? (2026 Rates)](https://www.moneygeek.com/insurance/life/rates/term-life-insurance-rates-by-age/)