Best Life Insurance over 65 No Medical

Best Life Insurance over 65 No Medical

Whether or not you should buy life insurance if you are over 65 years of age depends on you.

Do you need life insurance? If anyone relies on you for financial support, or would suffer financially upon your death, you may have a need for life insurance.

Or, if you do not have enough money saved to pay for the cost of your final expenses – funeral and burial related expenses.

Consider what you need your life insurance to accomplish?

Then, consider how long you need your life insurance to last in order to accomplish your goal, and how much life insurance you need. Also, how much can you afford to pay for life insurance?

There are several types of plans available for people over 65 years old – Term life, Permanent Life or Guaranteed issue life insurance plans.

Term life is temporary coverage lasting for up to 30 years, but people over 65 may be limited to a term of 20 years or less.

Permanent life insurance provides lifetime protection and builds some cash value inside your policy from which you may take a loan. It costs a lot more than term life insurance.

Guaranteed issue life insurance offers a limited amount of coverage, usually up to $25,000 or less, and there’s no health exams and no health questions asked. If you meet the age requirements for acceptance, your approval for life insurance is guaranteed.

Many life insurance companies understand the issues related to older men and women, and are now offering attractive insurance packages for older people.


Life Insurance over 65 No Medical Exam

Whether you’ve been denied life insurance in past due to your age, health, or any other factor; or you’re concerned you may be denied life insurance should you seek it, you can still be covered under a variety of policies.

No Medical life insurance may be the perfect solution for you.

No Medical life insurance allows you to obtain coverage with no medical exam, insurance that can cover you through a specific term or for a lifetime.

Why Consider No Medical Exam Life Insurance?

  • You are a smoker.
  • You have been turned down for life insurance in the past.
  • You are overweight or suffering from health complications due to weight.
  • You do not want to go through a medical exam.

With No Medical life insurance, all you need is to answer a few simple health questions to start your application. With no exam, life insurance can be accessible and functional.


 Life Insurance over 65 Requirements

There’s no requirement for a medical examination in order to purchase insurance either, so there is no need to worry about pre-existing medical conditions, which can of course have an impact upon the premiums. 

Best Life Insurance over 65 Quote

Life insurance at any age is a good idea!

But especially for those over 65.

We never know how much time any of us will have in this life as individuals.

You certainly don’t have as much time on the clock at 65.

And you are always going to leave some sort of obligation upon your death.

Whether it is final bills, the cost of your burial, a mortgage to pay off for your spouse or survivors, living expense money for family (or at least transition money for a couple years), a special bequeath or project, education for children or grandchildren, final car payment(s), lingering medical expenses, taxes, etc.

If you are rich and stuffed with cash, that is not a problem.

Most are not.

Therefore life insurance is the ONLY way to create an “instant estate” or instant cash flow to solve these problems.

It is tax free, and the benefit appears at the moment it is needed most.

All you have to do is be willing to part with a much smaller amount of money each month that doesn’t bust your budget, for all or at least most of these problems to disappear.

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