Life Insurance at Age 85
If you are shopping for life insurance quotes
at age 85, then you should know that you are getting
very close to the maximum age to attain life insurance coverage. There are several
highly rated carriers who will insure you at this age, but if you don't get
coverage soon, then it will be too late.
You probably want a simple policy to help cover the costs of a burial and other
final expenses. These policies are simplified issue whole life insurance policies.
This means that it does not require a medical exam and the premium is
level for the rest of your life. This is very important at your age because
you don't want to be faced with increased premiums as you get older.
If you are a smoker or if you have
pre-existing health conditions, such as heart problems, a previous stroke or cancer treatment, or diabetes, you can still
qualify for coverage. Many companies offer a type of policy called
"Guaranteed Issue Life
Insurance," where you are virtually guaranteed to be approved. All you
have to do is fill out an application and answer some basic health history
questions. You can usually be approved and have coverage in place in as little
as a couple of days.
If you need life insurance coverage at the age of 85, then the first step is to
get a quote to compare multiple rates. You can view
quotes from some of the nation's best carriers and see which one has the lowest
premium for your particular needs. Remember that all life
insurance carriers have different rates, so it pays to compare.
If you prefer to receive your rates over the phone, call toll free to speak with an
experienced professional agent at 888-475-6099. An experieced agent will
review your options to ensure that you get the most competitive quote for your age
and your overall needs.