Asked by finq79  |  Submitted February 15, 2016

I'm 85. Can I get Term Life Insurance

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  Answers  |  3

February 15, 2016

Unfortunately, no, you cannot. Additionally, I would ask why would you want specifically term insurance? Here's why. At 85, with life expectancy what it is, if you could buy term coverage, what would the term be? The shortest term plan is 10 years (yes, there are a couple of 5 year plans but they are priced like 10 year plans). So, with 10 year term, you are guessing that you will pass away while the plan is still in force. First, it will cost a zillion dollars and, second, you might outlive it. Ouch! If you could purchase a longer term plan you would spend a zillion+ dollars and who knows if you would outlive it. Guessing is not good where this is concerned. What I am getting at is that you could do better than to aim for term insurance.

Were you to look at Universal Life insurance or Whole Life insurance, there would at least be the guarantee of a death benefit since you cannot outlive a policy with an end date of age 121. UL and WL take your question to the place of practicality. Term does not.


$commenter.renderDisplayableName() | 09.23.20 @ 06:16


February 16, 2016

Actually you can get life insurance at age 85. How long of a term would you like? I specialize in hard to place life insurance... Do you have any health issues? Contact me through my profile and I would be happy to help.

Lenny Robbins
Insurance Agent in Redmond, WA | 02.17.16 @ 19:52

Brian, I think your answer is somewhat misleading. There is no term insurance available at 85.

$commenter.renderDisplayableName() | 09.23.20 @ 06:16


February 17, 2016

No. If you would like a list of carriers and premiums with coverage starting at $2,000 for permanent coverage, just let me know. As you will see we have a good deal of information on senior life insurance for you to read and educate yourself.

$commenter.renderDisplayableName() | 09.23.20 @ 06:16