Life Insurance for 70 Year Old Woman or Man

Despite what you've heard, seventy years of age is not too old to get life insurance. Many companies still insure people in their seventies.

Typical Life Insurance Amounts For 70 year olds:

$10,000 $15,000 $20,000
$25,000 $30,000 $40,000
$50,000 $75,000 $100,000
$250,000 $500,000 Other Amount


So, you are a 70 year old female or male and are not sure if you can still get life insurance coverage. The good news is, you still can, but, there are a few caveats.

The insurance company will look into the following:

  • Any health issues you have had
  • Your present health
  • Do you use tobocco products
  • Are your overweight or obese
  • Do you engage in any risky activities

Your Health

Being 70 years of age, there's a chance you are afflicted, or have been afflicted, by any of the following medical conditions:

  • Dementia / Alzheimer's Disease
  • Cancer
  • Heart problems
  • Diabetic
  • Pneumonia
  • High blood pressure
  • Kidney or Liver disease
  • Respiratory diseases
  • Parkinson's
  • Anxiety
  • Depression
  • Stroke
  • Sleep Apnea
  • Obesity

If this is the case, it may be difficult to get a life insurance company to issue you a policy. Make sure to speak on the phone with a life insurance specialist.

Final Expenses

Most likely the reason you may be looking for life insurance, is that you want to cover your final expenses, like your funeral and burial expenses. With costs being anywhere from $5,000 to $15,000, you sure don't want to leave your family with all that debt.

If You Get Denied

If you get denied for a regular life insurance policy with a medical exam, you still have the option of going with a no-medical exam policy, also called, a Guaranteed Acceptance Life Insurance Policy.

Get a senior life insurance quote!

Here's an example of a 10-year term policy for a woman non-smoker, in good health.

AGE $25,000 $50,000 $100,000 $200,000 $300,000 $500,000
70 years old female $56.55 $59.22 $65.30 $105.26 $130.10 $245.15
Rates as of 06/30/2024 - these average rates are just shown as a guide. Rates will change according to your specific situation.

Get best 70 year old life insurance rates today!


Here's an example of a 10-year term policy for a non-smoker man, with a good health status.

Age $25,000 $50,000 $100,000 $200,000 $300,000 $500,000
70 Year Old Man $70.75 $92.47 $117.63 $229.69 $245.30 $405.15
Rates as of 06/23/2024. Rates will change according to your situation.


Get cheap 70 year old life ins rates today!