---
title: Life Insurance for a 75 Year Old: Rates and Options
url: https://coverfolk.com/seniors/age/75
updated: 2026-10-08
---

# Life insurance for a 75 year old

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

Age**75**

Women**$71**

Men**$97**

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

The short answer

At 75, a $10,000 final expense policy runs about $71 a month for a woman and $97 for a man in a published national sample.

## Sample prices at 75

| Policy | Women | Men |
| --- | --- | --- |
| **$10,000 final expense** | $71 | $97 |

Final expense: Choice Mutual, Rates valid as of March 9, 2026. Not quotes.

## Your options at 75

**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 $71 at 75 to $98 at 80 for women, and from $97 to $134 for men. Final expense prices are locked when you buy, so the age you buy at sets your price for life.

At 75, plans with health questions usually cost less than guaranteed issue. If you can answer the health questions, try those first. If not, a guaranteed issue plan still pays the full amount after the waiting period, which is often 2 years.

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 65](/seniors/age/65)[Age 70](/seniors/age/70)[Age 80](/seniors/age/80)[Age 85](/seniors/age/85)

## Common questions

Can a 75 year old get life insurance?

Yes. At 75 most people look at final expense or guaranteed issue whole life. Some companies still sell term at this age.

How much is a $10,000 policy at 75?

A published national sample shows $71 a month for a woman and $97 for a man, non tobacco. Your price depends on your health and the company.

Do I need a medical exam at 75?

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/)