Life Insurance for 75 Year Old Man or Woman

Common Life Insurance Amounts For 75 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


If you are a seventy five year old male or female, you may be wondering if it is still possible to get a life insurance policy.

The good news is, it may be!

There are a few things the insurance company will take into account:

  • Your present health status
  • Previous health issues and illnesses
  • Do you smoke
  • Are your overweight
  • Do you engage in any risky activities

Your Health

If you are 75 years old, and have any health issues like the following, it may be difficult to get a policy:

  • Alzheimer's Disease or Dementia
  • Cancer
  • Diabetes
  • Pneumonia
  • Heart Disease and Heart Attack
  • Hypertension (high blood pressure)
  • Kidney Disease
  • Liver Disease
  • Lower Respiratory Diseases
  • Parkinson's Disease
  • Stroke
  • Sleep Apnea
  • Obesity
  • Anxiety
  • Depression

But, like everything, it depends. Make sure to speak on the phone with a life insurance agent specializing in older ages.

Final Benefits

Often, the reason that seventy five year olds get life insurance coverage, is to cover final expenses, like their funeral and any outstanding debts they may have.

They do not want to leave their family in a financial bind.

If You Get Denied

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

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
75 year old female $96.26 $92.67 $118.52 $192.69 $258.30 $456.85
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 75 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
75 Year Old Man $119.10 $176.55 $220.25 $435.35 $494.40 $819.62
Rates as of 06/23/2024. Rates will change according to your situation.

Get cheap 75 year old life ins rates today!