Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Apr 6, 2022

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The Facts of Life

  • Guaranteed acceptance life insurance offers coverage with no medical exam requirement
  • You can shop for guaranteed acceptance life insurance online
  • Most guaranteed acceptance life insurance policies offer between $2,000-$25,000 in coverage

Life insurance for seniors is a valuable insurance type that many people have no idea exists.

Individuals over 80 may think that their age and health could keep them from purchasing a whole life insurance policy, but that isn’t the case. In fact, with a guaranteed acceptance whole life policy, seniors looking to leave a little something behind for their loved ones or who would like their policy to be used for funeral expenses can potentially purchase over $20,000 in coverage with no medical exam. In addition, whole life insurance offers tax benefits and has a cash value component which grows over time

If you need affordable coverage and are over 80, no-medical-exam policies are offered by many reputable insurance companies that can help you plan for the future.

Curious as to how much coverage you can afford with life insurance over 80 and no medical exam? Enter your ZIP code to get free quotes and find the best policy for your needs.

How can seniors over 80 get no-medical-exam life insurance?

Senior life insurance is more accessible than you may have thought — especially if you shop for a senior’s life insurance policy online. If you shop online for life insurance coverage, you can gather free guaranteed life insurance policy quotes and compare them all from the comfort of your own home. Once you choose the best policy for your needs, you can get coverage in minutes.

When comparing quotes for over-80 life insurance with no medical exam policies, you should ask yourself questions like these:

  • Does the policy offer the amount of coverage I need?
  • Is there a waiting period?
  • Are the life insurance rates for life insurance over 80 with no medical exam within my budget?

Reviewing each quote under this lens will help you find not only the best life insurance for seniors but the best insurance policy for you and your loved ones. Now, let’s take a look at some of the best life insurance companies that offer policies for individuals over age 80.

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Best Life Insurance Companies for Seniors

There are many insurance companies that offer life insurance in today’s marketplace. However, knowing which insurance companies specifically offer policies designed to meet the needs of an older clientele can help you get a head start on your insurance shopping experience. If you want to find a life insurance company offering life insurance over 80 and no medical exams, take a look at some of these fine institutions:

There are a lot of great options here, but doing your research will help you narrow down your choices. Let’s take a closer look at each of these companies so you can determine which one can provide you with the coverage you need.

Mutual of Omaha

While Mutual of Omaha’s term policies are only eligible for seniors who are 80 years old or younger, if you’re over 80, you can purchase a whole life insurance policy that provides up to $40,000 in coverage. There’s no medical exam, no waiting period, and since this company has an A++ rating from A.M. Best, you can rest assured that your beneficiaries will receive the money due to them when you pass.


If you are a member of AARP, you can potentially purchase up to $50,000 in coverage until you are 89 years old. This company is financially strong as well, and it earned an A++ rating from A.M. Best. With no medical exam or waiting period, a policy from AARP could be just what many seniors are looking for. Bear in mind, that if you are not a member of AARP, you will not be able to purchase a policy from this company.


This A.M. Best A-rated company offers as much as $25,000 to applicants up to age 89. When gathering a quote with this company, be prepared to answer questions about your medical history. No medical exam is required, but depending on how you answer these questions, you could be denied coverage.


Transamerica boasts an A-rating from A.M. Best and has policies available that do not require a medical exam. It also offers up to $40,000 in coverage to senior applicants who are over 80. You must be cognizant of the fact that some of the plans offered by this company do have a two-year waiting period, so you must carefully read the fine print before you sign anything on the dotted line. Be aware that applicants cannot be over 85 years old.


AIG offers whole life insurance with no waiting periods and no medical exams to applicants 85 and younger, and you can get coverage ranging from $5,000 to $25,000 with this A+ company rated by A.M. Best. You are also allowed to access your cash value while you are alive so you can get the care you need if you are diagnosed with a terminal or chronic illness.


Seniors up to age 85 can find a great policy with Americo, an A.M. Best A-rated company. You could get anywhere between $5,000-$30,000 with this company, so you can make sure that your loved ones that are left behind can cover funeral costs or have financial assistance to pay the mortgage or afford college. There is no medical exam required by this company, and you will not have to worry about having to endure a waiting period.

American Amicable

American Amicable, an A.M. Best-rated company with a grade of A-, offers coverage that ranges from $2,500-$25,000 to applicants who are over 80 years old. If you are over 80, you will only be able to purchase a whole life insurance policy from this company, but you will not need to bother with a medical exam or a waiting period.

Security National Life

While the maximum amount of coverage you can purchase from Security National Life is rather low, only $10,000, this company does offer coverage to applicants up to age 85, doesn’t require a medical exam, and has an A- rating from A.M. Best. A policy from Security National Life would most likely be best used to help cover the cost of a memorial or funeral service.

Guarantee Trust Life

Even if you are 90 years old, you can purchase a life insurance policy from this A.M. Best company with an A- rating without having to undergo a medical exam. Senior applicants can purchase as little as $2,500 in coverage or as much as $25,000 depending on what they want the policy to achieve for them.

Is term life insurance worth it?

Term life insurance policies can replace your income if you die while you still have major financial obligations, such as raising children or paying off your mortgage. For example, you may purchase a 20-year or 30-year term life policy.

What are the disadvantages of life insurance?

The biggest disadvantages of term life insurance are that you must pay premiums to keep the policy active and your coverage expires after a set period of time.

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What You Need to Know About No-Medical-Exam Life Insurance for Seniors

Life insurance is a financial tool that can empower even those who have a strict monthly budget and poor health to leave behind a substantial legacy for their loved ones.

While the general rule of thumb is to purchase life insurance while you’re young and have little to no medical concerns, you can still buy life insurance as an older adult with no medical exams and get quite a bit of coverage in your twilight years to pay for funeral expenses or simply to leave your loved ones with a financial cushion after you pass on.

To achieve this, you can buy guaranteed-acceptance life insurance policies that can help you get the coverage you need without a medical exam and many provide policies with no waiting periods. Most insurance companies have an age restriction of 85 years old. However, you can find companies, like Guarantee Trust Life that will provide coverage to individuals who have reached 90.

Talking to a financial professional about different life insurance products and the advantages of life insurance can help you figure out how much term life coverage makes sense for your circumstances.

Don’t wait to find life insurance with no medical exams for you or a loved one over the age of 80. Enter your ZIP code to start comparing free quotes today.