---
title: Life Insurance for Seniors: Ages 50 to 85 | Coverfolk
url: https://coverfolk.com/seniors
updated: 2026-10-08
---

# Life insurance for seniors

Real options at every age from 50 to 85, with sample prices.

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

The short answer

Yes, you can still get life insurance in your 50s, 60s, 70s and 80s. Term life is often sold up to about age 70 or 80, and final expense plans are common from 50 to 85.

## Pick your age

[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 75](/seniors/age/75)[Age 80](/seniors/age/80)[Age 85](/seniors/age/85)

## Sample $10,000 final expense rates

| Age | Women | Men |
| --- | --- | --- |
| **50** | $24 | $31 |
| **55** | $28 | $36 |
| **60** | $33 | $43 |
| **65** | $41 | $54 |
| **70** | $53 | $70 |
| **75** | $71 | $97 |
| **80** | $98 | $134 |
| **85** | $136 | $193 |

Choice Mutual, Rates valid as of March 9, 2026. Not a quote.

## Guides for seniors

[**Life insurance in your 50s**](/for/in-your-50s)[**Life insurance over 60**](/for/over-60)[**Life insurance over 70**](/for/over-70)[**Life insurance over 80**](/for/over-80)[**Life insurance retirees**](/for/retirees)[**Am I too old to get life insurance?**](/answers/too-old-for-life-insurance)[**Is there an age limit for life insurance?**](/answers/life-insurance-age-limit)[**What are my options for life insurance over 70?**](/answers/life-insurance-for-seniors-over-70)[**What is guaranteed issue and a graded death benefit?**](/answers/guaranteed-issue-graded-benefit)[**Does Medicare pay for a funeral?**](/answers/medicare-funeral)[**Does Social Security pay a death benefit?**](/answers/social-security-death-benefit)

## Sources

1. [Choice Mutual, $10,000 Life Insurance Rates](https://choicemutual.com/life-insurance-cost/10000/)

## Questions from seniors

Can I get life insurance at 75 or 80?

Yes. Final expense plans are sold to many people up to age 85.

What is guaranteed issue life insurance?

A plan with no health questions. You cannot be turned down, but there is usually a 2 year waiting period for full benefits.

How much does final expense insurance cost?

It depends on your age, health and amount. Small plans can cost under $50 a month for younger seniors in good health.