Top Life Insurance Over 80 No Medical Exam Quotes for Free

Life insurance over 80 no medical exam quotes.

If you are reaching a certain age now such as 65 or seniors. It is becoming harder and harder to discover life term plan insurance. You may be giving up because it was more readily. Found life insurance when you were young and healthy.

Top Life Insurance Over 80

Well, I am here to tell you now that just because you are 65 or seniors does not mean that you cannot look for a price. On life insurance over 80 no medical exam. There are choices out there. And I am going to tell you a little about how to see them.

The point is that the easiest approach to finding life insurance for elderly over 80. If you are a seniors is to do some price evaluation around the world wide web. Comparison purchasing is really quite simple. First, you look for the best businesses which protect life term insurance for seniors people over the age of 65.

Life Insurance Over 80 No Medical Exam

Next, you look for the best life insurance over 80 no medical exam prices that fit your needs, and budget savings. Pretty smart? Quick software makes it possible with just a few mouse clicks of the mouse. And a few details to discover and collect the best life insurance plan policy prices from different organizations all at once.

Life insurance over 80 no medical exam quotes
Life insurance over 80 no medical exam quotes

Comparison purchasing really is a simple and fast way of determining which organizations have the best life insurance for senior citizens over 80.

Over 80 life insurance no medical exam quotes prices out there for seniors citizens. It is fast, safe, simple, and only takes a few short minutes.

What are the life insurance over 80 no medical exam options available?

  • Burial Insurance.
  • Whole Life Insurance.
  • Term Life Insurance.
  • Universal Life Insurance.

What are the Best Companies for Life Insurance Over 80 No Medical Exam?

SL. NoCompany NamesIssued Ages
1.Mutual of OmahaUp to 80
2.TransamericaFrom 80 and over
3.ForestersOver 80
4.AARPOver 80
5.AetnaUpto 89
List of life insurance plans for senior companies

AARP Life Insurance for Seniors Over 85

It is possible to look for the right choices it doesn’t issue how old you are. Everyone needs a life insurance policy, even if you are a senior. It is possible to obtain the best quotations out there in the market. Compare the quotes of life insurance over 80 no medical exam for you.

After all, you may want to guarantee that your grandson feels comfortable after you die or die. You can leave a fortune with your family or share a legacy. With the poor and needy in your neighborhood. You can get sick easily, but at least everything is done. So you don’t have to worry anymore after you have the whole world behind you

Do not put off your visit life insurance any longer. Start determining what is going to suit your particular needs, and go from there. Many free, unbiased internet quoting services already help make looking faster and easier. With their easy-to-use price evaluation tools and software and find AARP life insurance for seniors over 80.

Also, be aware that life insurance for seniors over 80 years old protection. It is used to protect a small financial period after you die and die. So please be aware that you understand the term of the contract for the term. If you happen to run across a plan that doesn’t make much sense. Then you need to ask open and ended questions to clarify what is being said. Check out AARP Advantage Plans quotes.

Funeral Insurance for Over 80

Getting the right type of burial insurance for parents over 80. If you are a senior does not have to be challenging. Educate yourself by using the Online to find to get life insurance to protect seniors people over 65. Evaluate different guidelines that are out there and also get AARP life insurance for seniors over 80

Funeral Insurance for Over 80
Funeral Insurance for Over 80

Determine what needs you have, and which term plan over 65 guidelines are best for fitting your needs. You can even compare life insurance over 80 with no medical exam choices. And save over the web with just a few mouse clicks and knowledge.

So just because you are a senior does not mean that you cannot. Request life insurance anymore or that you cannot look. Keep trying! Many seniors citizens and seniors people turn to life insurance over 80. No medical exam quotes marketplace for helpful details.

Insurance brokers will point out that there is no telling what is going to happen in the upcoming. This is certainly true, but the cynics among us know that the insecurity. We all feel over the upcoming is what the agent is preying on. However, among the most logical and straightforward guidelines out there is burial insurance for seniors over 80. Best quotations for which can be found quickly Online.

What Is Term Insurance?

Understanding what exactly life insurance for seniors over 90 is. It is the first step toward identifying the best term plan quotations. In essence, renters life insurance for 81 year old male provides protection for only a small length of time. Payments are made at a set rate until the plan seniors.

Getting life insurance over 80 no medical exam quotes is not very challenging. But there are some conditions that mean not every agent will offer the deal. However, on the internet insurers are only too happy to provide fast quotations. and the usual range of discounts and incentives to convince the consumer to sign up.

Trustage Term Life Insurance Quotes No Waiting Period

This kind of life insurance for seniors over 90 differs from the normal guidelines in so far that the life insurance for 82 year old female. It is temporary and not actually for a lifetime. If the set term plan of the plan is 20 years. Then after 20 years protection ceases, and only if the owner dies within the set period. Will the insurer be obliged to pay out.

Whole Life Insurance for Seniors Over 80

Whole life insurance provides coverage regardless of the time of the insurer’s death until the policy is active. As this policy has very minimum requirements that is why it is very easy for seniors to qualify.

As a general rule, for life insurance over 80 no medical exam runs for the life of the policy holder. At the same time, some build cash value that offers you cash payments in the form of a loan.

The capital-life policy provides cash benefits to the persons named in the insurance contract, regardless of age. The insurance has a savings or investment component that supplements primary insurance coverage. This explains why higher premiums are charged for endowment life insurance for people over 80.

However, as the policyholder ages, the premiums are likely to decrease. Many policyholders choose life insurance because the payments remain the same for the life of the policy. In addition, the insurance offers favorable tax treatment, permanent protection, and the opportunity to increase cash value.

What Are the Benefits to Buy Life Insurance for Seniors?

Life insurance is an important investment that everyone should strive for, regardless of age. In general, there are two main types of insurance; term and life insurance. The former is usually cheaper than the latter. Low-cost senior insurance offers the following advantages:

Life Insurance Benefits
Life Insurance Benefits
  • Secure the future of the family

The correct policy protects the family from financial burdens. The family will be able to pay the final costs, including medical and funeral expenses. In addition, the resulting cash benefits can be used to pay off arrears that cannot be covered by a spouse’s retirement savings or family assets.

  • Bridge Social Security

The main problem with Social Security benefits is that they tend to change when one of the spouses dies. Also, it often takes time to get the desired benefits from these programs; The benefits are not offered immediately. Therefore, old age insurance will be able to close the social security gap.

Why Term Life Insurance Is Better for People Over 80?

Senior Term Life Insurance over 80 no medical exam offers a specific duration or term. This helps meet the needs of family members in the event of the sudden death of the breadwinner. The term is usually between 1 and 30 years. However, the deadline may be shorter for older people.

If you are interested in getting an old age life insurance policy, you should understand that the policy does not accumulate capital like life insurance for over 80s policy. However, you have the option of extending the policy after the term has expired.

You can find out from the service provider whether the premiums change periodically or remain fixed during the term. Some service providers typically adjust senior premiums every few years.

What Is the Average Annual Insurance Rates for Men and Women?

Men Rates

AgeFinal Expense: $5,000 BenefitFinal Expense: $10,000 BenefitTerm: $250,000 – $1,000,000Guaranteed Universal: $10,000 – $20,000 Benefit
List of average annual insurance rates for men

Women Rates

Age Final Expense: $5,000 Benefit Final Expense: $10,000 Benefit Term: $250,000 – $1,000,000 Guaranteed Universal: $10,000 – $20,000 Benefit
80$700-$990$1350-$1920$7,880 – $28,330$2,200 – $4,460
85$1,060 – $1,335 or more$2,100 – $2,950 Dependable $2,440 – $4,880
List of average annual insurance rates for women

No Exam Life Insurance for Seniors

There are several ways to get life insurance without a physical exam. One option is to purchase a simplified expense policy. You can also avoid the exam by purchasing a guaranteed problems policy. You can avoid a medical exam if you buy one of the policies.

This means you do not have to take the required blood or urine tests. In most cases, you only have to answer a few questions about your health, and if the answers are sufficient, you can purchase life insurance for elderly parents over 80.

Frequently Asked Questions (FAQs) about Life Insurance Over 80 No Medical Exam

Can I Buy Life Insurance for Seniors Over 80?

It is a little bit hard to find suitable and affordable life insurance at the age of 80 or over. But, nothing is impossible. Now, the fact is there are some limitations on choosing life insurance plans over 80. So, if you haven’t secured your life then don’t be late anymore. Just check out the free quotes mentioned above now.

Is life Insurance Necessary At the Age of 80?

Yes, to cover the medical bills and funeral costs a person at the age of 80 definitely needs funeral policy for over 80.

Which Type of Life Insurance Is Better for 80 Years Old?

Whole life insurance and burial life insurance are best for 80 years old people. These are affordable by cost and also easy to achieve. Most older persons like no medical exam insurance. So, these are the best.

Is There Any Age Limit for Term Life Insurance?

Generally, term life insurance plans are for up to 80 years old. But, in some cases, some companies offer it up to 90 years old. So, you have to check that which company and exact benefits you need to buy.

Is It True That No Exam Life Insurance Plans Are Expensive?

No, it is not expensive. But, it has some cons or drawbacks. As it doesn’t take the report of your health condition that is why the benefits may not be perfect for you sometimes. Consider this type of problem before buying life insurance over 80 no medical exam.

Life insurance over 80 no medical exam quotes in compare rates at

Top Rated Life Insurance Companies

Top Rated Life Insurance Companies

US life and health insurance companies are rated by numerous organizations that study a company’s financial strength and security and rank them based on their analyst ratings. These ratings may reflect the company’s ability to meet the obligations of health and insurance plans it owns and the riskiness of monetary instruments, such as bonds or even securitization products, offered by the company.

Some of the factors that go into determining an insurance provider’s health are a thorough balance sheet study, an assessment of the actual performance of the business operations relative to other companies, and a good analysis of how and who really runs the business. , including shared management philosophies, and written plans for that business operation.

Top Rated Life Insurance Companies

Buying life insurance can help provide financial security for your loved ones, but choosing the right policy can be confusing. There are different types of life insurance.

SL. NoCompany NameAboutRatingsAM BEST RATING
1.Haven LifeBest No Medical Exam Life Insurance4.4 A++
2.New York LifeBest Whole Life Insurance4.1A++
3.ProtectiveBest for Universal Life Insurance5.0A+
4.AIGBest for Recreational Marijuana Use3.9A
5.NationwideBest for Gen X & Millennials3.8A+
6.State FarmBest Whole Life Insurance3.9A++
7.TransamericaBest for Term Life Insurance3.4A
8.Pacific LifeBest for Retirement Planning5.0A+
9.Guardian Life Best Whole Life Insurance 3.2A++
10.John HancockBest for Celebratory Cigar Use3.5A+
List of top 10 top rated life insurance companies

Policies are generally available in all US states, so check to see if they’re available in your state. Since it is an old company, all liquidation issues can be resolved very easily. The company strives to meet the demands of today’s market.

Top Rated Life Insurance Companies
Top Rated Life Insurance Companies

It offers a focused and supportive approach to provide a secure future for all of its clients and caters to all your financial needs as well. The solutions are also backed by excellent personalized customer service. Therefore, it can be a good idea to buy your policy from the American life insurance company.

Haven Life

Haven Life is the best among top rated life insurance companies which offers term life insurance online with a streamlined application process that takes approximately 25 minutes. Qualified applicants age 59 and under can purchase up to $1 million in coverage that begins immediately without the need for a medical exam.

Haven Life policies are underwritten by its parent company, MassMutual, one of the largest life insurers in the US Haven Life does not sell permanent life insurance.

Pros of Haven Life

  • Available online.
  • Sometimes no medical exam facilities provided.
  • Less customer complaints.
  • Best customer service.

Cons Haven Life

  • Term policies can’t be turned into Whole life insurance.
  • Only provide term insurance.


Over last few years, Haven Life has filed far fewer complaints with government regulators than would be expected for a company of its size.

Haven Life’s policies are underwritten by its parent company, MassMutual, which not only has a financial strength rating from A.M. Best Rating Services, but also a NAIC Complaint Index of 0.04. A company’s Complaints Index measures the number of complaints against the company relative to its size, with the national median being 1.00.


Haven Life has two term policies:

Haven Term: Haven Terms is available nationwide for customers under the age of 64. You can choose 10, 15, 20, 25 or 30-year terms and purchase up to $3 million in coverage.

Haven Simple: Haven Simple is intended for those who do not want a medical exam. Provides up to $500,000 in coverage if your digital application is approved.


Year$50,000 policy$100,000 policy$250,000 policy$500,000 policy$1M policy
List of Haven LIfe Cost

New York Life

New York Life offers term policies that expire after a specified period of time and permanent life insurance policies that provide long-term coverage and build cash value over time. Dividends are paid on some of the perpetual life insurance policies. This is the another best company among top rated life insurance companies.

Pros of New York Life

  • Provide term, whole, and universal insurance plans.
  • Multiple riders are available to customize policies.
  • Sometimes build cash values.
  • Few customer complaints.
  • New York Life is only comapny for planning your family’s financial future.

Cons of New York Life

  • Somewhat expensive.
  • Coverage plans are not clearly explained online.
  • The term is available with annual renewal or 10-year and 20-year terms, but there is no 30-year term.


New York Life scored 4.5 stars out of 5 for overall performance. For three years, New York Life generated fewer complaints from state regulators than expected for a company of its size. New York Life offers a wide range of life insurance options and ways to customize coverage, but it comes at a high price.


  • Term life insurance: New York Life offers a convertible annual plan with contracted premiums that increase each year but are guaranteed for the first 10 years.
  • Whole life insurance: New York Life has several whole life policies, including one that allows you to customize your payment schedule.
  • Universal life insurance: There are three types of universal policies to choose from, including a basic coverage option where you can customize your premiums and benefit levels.


35$1,000,00020-Year Term$141.41$191.91
45$1,000,00020-Year Term$329.69$460.24
55$1,000,00020-Year Term$747.00$1,070.70
65$1,000,00020-Year Term$1,695.66$2,350.50
List of New York Life Cost


Protective Universal life insurance policies offer a competitive in-house policy cost for most age groups and health risks, allowing more of your premium to flow into cash value. The company has excelled in bonds and mortgages, which represent underlying cash value, and its illustrations of universal life insurance policies are generally reliable. This company also ranks third or fourth among top rated life insurance companies.

Pros of Protective

  • Compare rates.
  • Cash value policies have low internal costs.
  • Best comapny performance.
  • Policies up to $50 million.
  • Living benefits available.

Cons of Protective

  • Accumulation time of the cash value is very slow.
  • Have to give a medical exam.
  • Final expense insurance is not available.


Over last few years, Protective Life Insurance had nearly the expected number of complaints to state regulators for a company its size. Protective Life received 4 out of 5 stars for its overall performance.


  • Protective term life insurance
    Protective Life Insurance offers term life insurance through the Protective Classic Choice product.
  • Whole life insurance
    Protective life insurance is the company’s basic form of perpetual life insurance and provides protective for life.
  • Protective universal life insurance
    Protective offers four universal life insurance policies that provide protection for life.
  • Protective child life insurance
    Protective offers child life insurance through its Protect My Child plan.


35$1,000,00020-Year Term$55$71
45$1,000,00020-Year Term$125.38$163.98
55$1,000,00020-Year Term$285.85$430.29
65$1,000,00020-Year Term$888.88$1385.45
List of Protective Life Cost


American International Group (AIG) entered the insurance market in 1919. In the US market, AIG sells health insurance, accident insurance and travel insurance. AIG also offers individual life insurance, including term and life insurance. AIG life insurance can be a good option if you’re looking for a company with a variety of product types. AIG is also a renowned company among top rated life insurance companies.

Pros of AIG

  • Inexpensive term life plan coverage.
  • Best financial ratings.
  • No waiting period policies.
  • Living benefits available.

Cons of AIG

  • Online quotes are not available.
  • No term-life coverage without exams.
  • Limited Options for Whole Life insurance.


AIG Insurance is not among the top rated life insurance companies when it comes to customer service and customer reviews. AIG received 3 out of 5 stars for overall performance.


AIG products are included term, whole and universal policies.

Some more services included are:

  • Travel insurance.
  • Pensions.
  • Auto, home, yacht and liability insurance and loss prevention services for high net worth customers.
  • Retirement savings services.
  • Complementary accident and health insurance.


35$1,000,00020-Year Term$45.96$62.26
45$1,000,00020-Year Term$106.96$141.11
55$1,000,00020-Year Term$246.46$343.53
65$1,000,00020-Year Term$759.99$1151.51
List of AIG Life Cost


Northwestern Mutual offers a superior combination of high financial strength ratings, good life insurance prices and good access to cash value within life insurance policies.

Nationwide from top rated life insurance companies offers term and perpetual life insurance with moderate premiums and a selection of drivers to complete your protection.

Pros of Nationwide

  • Provide Whole life policy without medical exam.
  • Fewer customer complaints.
  • Diffrent types of options are available for customers.
  • This policy figures have a high level of reliability.

Cons of Nationwide

  • Customer satisfaction could be better,
  • Limited eligibility.
  • Internal policy costs can be be higher than other competitors.


Though probably best known for auto insurance, Nationwide offers many types of insurance and financial products. If you prefer bundling insurance products with a financially strong company, Nationwide could be a good choice.


Nationwide has eight types of life insurance products accross term, whole and universal life policy.

  • Nationwide term life insurance offers with terms of 10, 15, 20 and 30 years.
  • Whole Life Insurance from Nationwide offers lifetime coverage.
  • Nationwide Universal Life Insurance offers lifetime coverage.


35$1,000,00020-Year Term$59.95$76.67
45$1,000,00020-Year Term$121.81$170.07
55$1,000,00020-Year Term$284.84$416.96
65$1,000,00020-Year Term$948.98$1446.61
List of Nationwide Life Cost

State Farm

All of State Farm’s temporary products can be converted to permanent coverage regardless of changes in your health. Products include life insurance, home and renters insurance, auto and specialty vehicle insurance, and health, liability and disability insurance. It is also one of the best top rated life insurance companies.

Pros of State Farm

  • Best A++ rating from AM Best.
  • Top most affordable life insurance company.
  • Offer three types of life plans(term, whole & Universal).
  • Less customer complaints.

Cons of State Farm

  • Have to buy the policy from an agent of State Farm.
  • Plans are not not available in Massachusetts.


According to us the best life insurance companies of 2021, State Farm is ranked #7 with a score of 3.9. Over past few years, State Farm has filed fewer complaints with state regulators than expected for a life insurance company of its size.


You can find a local State Farm agent on the company’s website and order certain products forward.

  • In term life insurance, State Farm offers select term life insurance, premium return life insurance and instant response life insurance.
  • For Whole Life policies, State Farm’s options are Final Expense, Limited Paid Life, Single Premium Life, and Whole Life.
  • For universal life insurance includes universal life insurance, for survivors, and joint universal life insurance.


35$1,000,00020-Year Term$62.12
45$1,000,00020-Year Term$134.44
55$1,000,00020-Year Term$330.30
65$1,000,00020-Year Term$1005.65
List of StateFarm Life Cost


Transamerica offers single term, universal index and whole life insurance, as well as acquisition expense coverage. The services are available for companies and individuals. Offers premium benefits in your Trendsetter Living Benefits term life insurance, such as: B. The ability to access your own death benefit early if you have a chronic or serious illness.

Pros of Transamerica

  • Provide huge term lengths.
  • Present in nationwide.
  • Sometimws some products build cash value.
  • Has flexibilities to take policy loans.

Cons of Transamerica

  • Customer have to buy the policy from their agent.
  • Has customer complaints.


Transamerica received 3 stars out of 5 for its overall performance. In the past few years, Transamerica has received more complaints from government regulators than might be expected for a company of its size.


  • For term life insurance, it provides 10-30 years term.
  • For life insurance, Transamerica’s options are life insurance and terminal cost insurance.
  • The Universal Life Index Policy can be split into three different index accounts to achieve the base rate of return.


35$1,000,00020-Year Term$57.67$74.84
45$1,000,00020-Year Term$118.66$154.54
55$1,000,00020-Year Term$256.56$358.58
65$1,000,00020-Year Term$815.15$1159.29
List of Transamerica Life Cost

Pacific Life

Pacific Life offers a critical combination of competitive pricing and reliable policy mapping that can maximize capital value accumulation for most types of life insurance. Pacific Life also sells indexed universal life insurance, a type of perpetual policy. Life insurance quotes are not available through the Pacific Life website.

Pros of Pacific Life

  • Higher rates for term life insurance.
  • Most premiums build cash values.
  • Very good satisfactions recieved from customers.

Cons of Pacific Life

  • Not available online.
  • Universal products have higher internal costs.


Pacific Life has filed far fewer complaints with government regulators than would be expected for a company of its size.


  • There are policies with terms of 10, 15, 20, 25 or 30 years.
  • Pacific Life also offers life insurance, but only through workplace plans.
  • Universal, variable universal and index universal life insurance.


30$ 1,000,000 20-Year Term$298$369
40$1,000,00020-Year Term$499$585
List of Pacific Life Cost

Bottom Line:

Select any of these USA insurance companies among top rated life insurance companies to secure your life. ALl these have some pros and cons mentioned. Check the benefits and policies carefully and then select. Also check the free quotes mentioned above. Compare the quotes and buy according your health and need.

Companies of Life Insurance

Top Rated Life Insurance Companies.