{"id":50216,"date":"2025-01-24T06:32:00","date_gmt":"2025-01-24T10:32:00","guid":{"rendered":"https:\/\/www.univistainsurance.com\/?p=50216"},"modified":"2025-01-21T18:37:04","modified_gmt":"2025-01-21T22:37:04","slug":"am-i-too-old-to-get-life-insurance","status":"publish","type":"post","link":"https:\/\/www.univistainsurance.com\/blog\/am-i-too-old-to-get-life-insurance\/","title":{"rendered":"Am I Too Old to Get Life Insurance?"},"content":{"rendered":"\n

Many people over the age of 60 are still paying off their mortgage or have family members who depend on their income. Faced with this reality, a common question arises: Is it too late to get life insurance?<\/p>\n\n\n\n

While insurance experts recommend getting a policy when you\u2019re young and healthy, it doesn\u2019t mean coverage is impossible after 60. Although insurers prefer younger clients, there are options available for people in their 70s, 80s, and even up to 85 years old.<\/p>\n\n\n\n

Age Limits for Life Insurance<\/strong><\/p>\n\n\n\n

Term life insurance is ideal for young couples or entrepreneurs as it provides coverage for 10, 20, or 30 years. However, most insurers set an age limit between 65 and 70 for purchasing this type of policy.<\/p>\n\n\n\n

On the other hand, whole life insurance protects the insured for life, as long as premiums are paid on time. Many companies accept applicants up to 85 years old for this type of coverage.<\/p>\n\n\n\n

How Does Age Affect Insurance Costs?<\/strong><\/p>\n\n\n\n

The older you are, the higher the insurance cost and the more limited the death benefit. For this reason, some insurers have designed specific packages for seniors to cover final expenses, including:<\/p>\n\n\n\n