Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Life insurance
By Enok Columbie, licensed Life & Health agent · NPN 16449444 · Updated November 2026
Yes, you can still buy life insurance in your 70s and, with some companies, in your 80s. The most common options at these ages are final expense (burial) insurance and smaller whole life policies. Some companies also offer term life to people in their 70s, usually with shorter terms. Rates vary by age, health, state and plan.
Choices become more limited with age, so it helps to compare several companies.
It depends on the company. Many final expense plans accept applicants up to about age 85. A licensed agent can check which companies accept your age.
Not always. Many final expense plans use health questions instead of an exam, and guaranteed-issue plans ask no health questions.
It can be if you want to leave money for a funeral, bills or loved ones and you don’t have savings set aside. Compare the premiums with the benefit and your budget.
Free phone review
Tell us a little about you and a licensed agent — not a call center — calls you back at the time you choose. No cost, no obligation, English or Spanish.
What to expect
We call you back the same business day, Mon–Sat 9am–7pm CT.
We look at your needs and compare plans from several carriers.
Apply by phone if it fits. We stay your agent after you enroll.
“I started this agency so seniors could talk to one licensed person who explains the options and respects the budget — in English or Spanish.”
Enok Columbie, Founder · Licensed Life & Health agent
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Free, no-pressure phone review in English or Spanish.
