Life Insurance for Seniors Over 75 in Texas: (2025)

Life Insurance for Seniors Over 75 in Texas: (2025)

Finding **life insurance over age 75 in Texas** isn’t impossible—it just takes the right guidance. At Mintco Financial, we specialize in helping seniors secure affordable, easy-to-understand coverage that fits their goals and budget.

In this guide, we answer the most common questions we get from Texans age 75 and older looking for peace of mind for themselves and their families.

✅ Can seniors over 75 get life insurance in Texas?

Yes, seniors over 75 **can qualify** for life insurance in Texas. In fact, many insurance carriers offer policies **specifically tailored** for individuals in this age group. These are often **final expense** or **guaranteed issue** policies that don’t require a medical exam.

💡 What types of life insurance are available after age 75?

Seniors in Texas can typically choose from:

* **Final Expense (Burial Insurance) **
Covers funeral, burial, and small debts. Coverage amounts range from \$5,000 to \$25,000.

* **Guaranteed Issue Life Insurance**
No health questions. Approval is guaranteed for those aged 75 to 85, regardless of medical history.

* **Simplified Issue Life Insurance**
No medical exam required—just a few basic health questions. Faster approval process.

* **Whole Life Insurance**
Offers lifelong coverage with cash value accumulation, though may be pricier.

💲 What does life insurance cost for a 75-year-old in Texas?

Rates vary depending on age, gender, and health. Here are example monthly premiums for a **\$10,000 final expense policy**:

> 📌 *Tip: Applying sooner rather than later can lock in lower premiums.*

🏥 Do I need to take a medical exam?

**No!** Many of our clients over 75 choose policies that **don’t require any medical exam**. Some even skip health questions altogether through **guaranteed acceptance life insurance**.

📍 Is it better to work with a local advisor in Texas?

Yes. A local or regional advisor understands Texas-specific laws, funeral costs, and can help **tailor coverage** based on your lifestyle. At Mintco Financial, we work with seniors across Texas—**Houston, Dallas, Austin, San Antonio, and rural areas too**.

🧾 What can life insurance help cover?

Life insurance for seniors over 75 is typically used for:

* Funeral & burial expenses
* Unpaid medical bills
* Leaving a gift to loved ones
* Paying off small debts
* Helping a spouse or adult child financially

📞 Why Choose Mintco Financial?

✅ **We answer our phones—no robots, ever**
✅ Over 20 years helping seniors nationwide
✅ Based in Florida, licensed in Texas
✅ We shop top-rated companies like Mutual of Omaha, AIG, Foresters, and more
✅ Simple, fast applications — most done over the phone in minutes

📋 How do I apply?

1. **Call us directly** – we’ll ask you a few questions to match you with the best policy.
2. **Get your free quote** – no obligation.
3. **Apply easily by phone or online** — often approved the same day.

🚨 Even if you’ve been declined before…

Don’t give up! We work with multiple companies and can often find coverage—even if you’ve had **heart issues, diabetes, or cancer**. Guaranteed issue plans ensure **no one is turned away**.

📣 Ready to protect your family?

Final Thoughts

Life insurance for seniors over 75 in Texas is more accessible than most people think. Whether you’re looking to cover funeral costs or leave a small legacy, Mintco Financial is here to help with honest guidance and real human support.

Texas Department of Insurance
Add this when discussing state regulations or choosing a licensed provider.
🔗 https://www.tdi.texas.gov/

National Funeral Directors Association (NFDA)
Use when discussing average funeral costs.
🔗 https://nfda.org/news/statistics

AARP – Life Insurance for Seniors
To offer neutral insight on seniors evaluating life insurance options.
🔗 https://www.aarp.org/money/insurance/