{"id":325320,"date":"2025-11-11T18:13:46","date_gmt":"2025-11-11T23:13:46","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=98334"},"modified":"2025-11-12T14:04:24","modified_gmt":"2025-11-12T19:04:24","slug":"best-for-seniors","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/best-for-seniors\/","title":{"rendered":"The Best Life Insurance Companies for Seniors in 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Life Insurance Companies for Seniors Review\"><\/span>\n    \n\n\n<p>As financial needs evolve in retirement, seniors often look for policies that balance affordability, lifetime guarantees, and practical living benefits. In 2025, the strongest senior-focused picks are carriers with A or better financial strength, consistently solid customer satisfaction, and low complaint patterns, paired with products seniors can qualify for late in life. Our analysis emphasizes AM Best financial strength, the latest J.D. Power customer satisfaction findings, the <a href=\"https:\/\/content.naic.org\">NAIC Consumer Complaint Index<\/a> methodology, and 2025 pricing benchmarks from reputable consumer rate studies. <\/p>\n\n\n\n<p>Compared with buying in your 20s, senior life insurance choices often focus on simplified-issue final expense or guaranteed-issue whole life, late-age term for short remaining needs, and permanent coverage with living benefits (chronic illness or LTC riders). To select the best options for ages 55\u201385, we weighted financial strength and service stability alongside product fit and pricing, aligning with 2025 data from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power<\/a>, <a href=\"https:\/\/www.ambest.com\/ratings\/guide\">AM Best<\/a>, and current senior rate snapshots from <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Top Life Insurance for Seniors<\/h2>\n\n\n\n<ul>\n<li><strong><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>:<\/strong> Best Customer Service<\/li>\n\n\n\n<li><strong><a href=\"#northwestern-mutual\" rel=\"nofollow\" class=\"achor-toggles\">Northwestern Mutual<\/a>: <\/strong>Best Online Tools<\/li>\n\n\n\n<li><strong><a href=\"#nationwide\" class=\"achor-toggles\">Nationwide<\/a>: <\/strong>Best Coverage Options<\/li>\n\n\n\n<li><strong><a href=\"#newyork\" class=\"achor-toggles\">New York Life<\/a>: <\/strong>Best Living Benefits<\/li>\n\n\n\n<li><strong><a href=\"#mutual\" class=\"achor-toggles\">Mutual of Omaha<\/a>:<\/strong> Best Guaranteed Acceptance<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fd24b911dd5a\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Life Insurance Companies for Seniors<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM BEST FINANCIAL STRENGTH\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER OVERALL CUSTOMER SATISFACTION\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fd24b911dd5a-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Mutual of Omaha<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd24b911dd5a-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd24b911dd5a-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">New York Life<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd24b911dd5a-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Northwestern Mutual<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd24b911dd5a-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-individual-life-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>2021 J.D. Power U.S. Individual Life Insurance Study<\/em><\/a> | See the latest findings in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">2025 J.D. Power U.S. Individual Life Insurance Study<\/a>.<\/p>\n\n\n\n<p><em>Information accurate as of 11\/11\/2025<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"mutual\" title=\"Best Guaranteed Acceptance\"><\/span>\n    \n\n                                                \n\n\n<section id=\"mutual-of-omaha\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Mutual of Omaha<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Guaranteed Acceptance<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If traditional underwriting is an obstacle, Mutual of Omaha\u2019s guaranteed-issue whole life is a leading final-expense option for ages 50\u201385 with typical coverage ranges of about $5,000\u2013$40,000 and a common two-year graded death benefit for non-accidental death.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=314154-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If traditional underwriting is an obstacle, Mutual of Omaha\u2019s guaranteed-issue whole life is a leading final-expense option for ages 50\u201385 with typical coverage ranges of about $5,000\u2013$40,000 and a common two-year graded death benefit for non-accidental death.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Broad senior eligibility with simplified e-application<\/li>\n                            <li>Competitive final-expense pricing for common $10k\u2013$20k needs<\/li>\n                            <li>Guaranteed acceptance design avoids exams and health questions<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Two-year graded period typically applies (non-accidental death)<\/li>\n                                        <li>Higher cost per $1,000 than fully underwritten policies<\/li>\n                                        <li>Coverage amounts are modest vs. traditional term or UL<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Term life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Whole life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Universal life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Children\u2019s whole life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accidental death<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Guaranteed acceptance (final expense)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Recognized senior-focused final-expense leader; coverage typically available to ages 50\u201385 with instant-decision workflows for small face amounts.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study (1,000-point scale). See latest results: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on Mutual of Omaha<\/h3>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/mutual-of-omaha-review\/\">Mutual of Omaha life insurance review<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Best Coverage Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Coverage Options<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide offers a broad menu for seniors across whole, universal, and variable life designs, with living-benefit riders (chronic illness and LTC-style options on select products) and online tools. Its service experience remains competitive per recent J.D. Power results, and it\u2019s well-suited for tailoring coverage with rider combinations in retirement.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Life_Nationwide&#038;rvitemid=336460-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide offers a broad menu for seniors across whole, universal, and variable life designs, with living-benefit riders (chronic illness and LTC-style options on select products) and online tools. Its service experience remains competitive per recent J.D. Power results, and it\u2019s well-suited for tailoring coverage with rider combinations in retirement.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Diverse permanent and term policy lineup<\/li>\n                            <li>Living benefits available (chronic illness\/LTC-type riders)<\/li>\n                            <li>Online quotes for select policies<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No guaranteed-issue life option<\/li>\n                                        <li>Complex riders require careful review of definitions and costs<\/li>\n                                        <li>Digital features vary by product<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Term life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Whole life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Universal life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Variable life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Long-term care (via riders\/hybrid on select offerings)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Riders to cover spouses and children; options to structure lifetime guarantees (verify state-specific availability).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study (1,000-point scale). See latest results: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on Nationwide<\/h3>\n\n\n\n<ul>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\">Nationwide insurance review<\/a><\/li>\n\n\n\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/nationwide-insurance-review\/\">Nationwide motorcycle insurance review<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"newyork\" title=\"Best Living Benefits\"><\/span>\n    \n\n                                                \n\n\n<section id=\"new-york-life\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">New York Life<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Living Benefits<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                New York Life offers robust permanent life options and living-benefit riders (e.g., chronic illness and tax-qualified LTC riders on select policies) that can provide access to benefits while alive, useful for retirees planning for care needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Life_New_York_Life_Spanish&#038;rvitemid=323574-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                New York Life offers robust permanent life options and living-benefit riders (e.g., chronic illness and tax-qualified LTC riders on select policies) that can provide access to benefits while alive, useful for retirees planning for care needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Participating whole life with strong guarantees and potential dividends<\/li>\n                            <li>Comprehensive living-benefit options on select policies<\/li>\n                            <li>High financial strength and advisor guidance<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Full underwriting common; premiums higher than simplified final-expense WL<\/li>\n                                        <li>Policy customization may require advisor meetings<\/li>\n                                        <li>Limited online quotes for complex products<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Term life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Whole life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Universal life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Variable life<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Focus on lifetime protection and estate planning with access to chronic illness and LTC riders that can help fund care under qualifying conditions.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study (1,000-point scale). See latest results: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on New York Life<\/h3>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/new-york-life-review\/\">New York Life life insurance review<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"northwestern-mutual\" title=\"Best Online Tools\"><\/span>\n    \n\n                                                \n\n\n<section id=\"northwestern-mutual\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Northwestern Mutual<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Online Tools<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Northwestern Mutual\u2019s digital calculators and account tools help estimate coverage before meeting an advisor, and its permanent life options support retirement and estate planning with advisor guidance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/\" class=\"reviews-btn--primary\" rel=\" sponsored\">Learn more<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Northwestern Mutual\u2019s digital calculators and account tools help estimate coverage before meeting an advisor, and its permanent life options support retirement and estate planning with advisor guidance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Helpful online estimator and account tools<\/li>\n                            <li>Advisors assist with retirement and estate planning<\/li>\n                            <li>Available nationwide<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Advisor engagement required for most purchases<\/li>\n                                        <li>No classic final-expense product<\/li>\n                                        <li>Limited pricing detail online<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Term life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">whole life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Universal life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Long-term care<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Advisors tailor coverage to retirement income, estate, and care-planning goals; digital tools support early planning.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study (1,000-point scale). See latest results: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on Northwestern Mutual<\/h3>\n\n\n\n<ul>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/northwestern-mutual-review\/\">Northwestern Mutual life insurance review<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best Customer Service\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Customer Service<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm ranks among the customer satisfaction leaders in J.D. Power\u2019s latest study and is supported by a large local agent network\u2014useful for seniors who value in-person guidance and straightforward service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=322561-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm ranks among the customer satisfaction leaders in J.D. Power\u2019s latest study and is supported by a large local agent network\u2014useful for seniors who value in-person guidance and straightforward service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong service reputation and agent support<\/li>\n                            <li>Final-expense quotes available online<\/li>\n                            <li>High financial strength<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Pricing may not be the lowest for older ages<\/li>\n                                        <li>Must purchase through an agent<\/li>\n                                        <li>Availability varies by state and product<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Term life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Whole life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Universal life<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Local agents and straightforward policy servicing can simplify claims, beneficiary updates, and rider selection for seniors.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study (1,000-point scale). See latest results: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on State Farm<\/h3>\n\n\n\n<ul>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/state-farm-review\/\">State Farm insurance review<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Life Insurance for Seniors\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Guide to Life Insurance for Seniors<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Life Insurance Options for Seniors<\/h3>\n\n\n\n<p>Seniors can choose from several different types of life insurance that vary in coverage and cost. In 2025, healthy non-smokers around age 60\u201370 can still find 10-year term from major carriers, while final-expense whole life remains a common choice for smaller, lifetime coverage. Benchmark monthly quotes from recent consumer research show about $100\u2013$170 (age 60) and $170\u2013$260 (age 65) for $250,000\/10-year term, and about $200\u2013$350 at age 70 (availability narrows) [sources: <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>]. Final-expense whole life of $10,000 commonly runs roughly $45\u2013$70\/month at age 70 and $70\u2013$120\/month at age 75, assuming non-smoker standard health. <\/p>\n\n\n\n<ul>\n<li><strong>Term life:<\/strong><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/best-term\/\"> Term life insurance<\/a> is a type of life insurance that lasts for a specific period of time, often between 10 and 30 years. It can still fit late-age needs (e.g., 10 years to bridge income or mortgage), though premiums rise with age and some carriers cap new term issue ages in the 70s.<\/li>\n\n\n\n<li><strong>Whole life:<\/strong> Most seniors choose <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/best-whole\/\">whole life insurance<\/a> as it lasts for your entire life with level premiums and can build cash value. Final-expense versions target $5,000\u2013$25,000+ to cover funeral costs and small debts.<\/li>\n\n\n\n<li><strong>Universal life:<\/strong> Like whole life insurance, universal insurance lasts for the rest of your lifetime, as long as premiums are paid. Many designs can be structured with no-lapse guarantees for lifetime coverage; crediting depends on product type.<\/li>\n\n\n\n<li><strong>Variable life:<\/strong> This type of policy gives you both life insurance and investment subaccounts (stocks, bonds, mutual funds). Values and the death benefit can fluctuate with markets, so it carries higher risk.<\/li>\n\n\n\n<li><strong>Long-term care coverage:<\/strong> Consider permanent life with a chronic illness or tax-qualified LTC rider for care funding. Modern riders increasingly offer cash indemnity options and care coordination. See <a href=\"https:\/\/content.naic.org\">NAIC long-term care guidance<\/a> and the <a href=\"https:\/\/www.genworth.com\/aging-and-you\/finances\/cost-of-care.html\">Genworth Cost of Care Survey<\/a> for local cost benchmarks.<\/li>\n\n\n\n<li><strong>Guaranteed acceptance insurance:<\/strong> Also called guaranteed-issue insurance, this whole life policy does not require medical questions or exams. Designs typically include a two-year graded death benefit and smaller face amounts\u2014useful when health conditions block other options. Some carriers (e.g., Corebridge, Gerber Life) also offer guaranteed-issue; see <a href=\"https:\/\/www.corebridgefinancial.com\">Corebridge<\/a> for more.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Life Insurance Riders and Features for Seniors<\/h3>\n\n\n\n<p>Not every life insurance policy fits every person or family\u2019s unique needs. Riders expand coverage to address situations not covered in base policies\u2014such as accessing benefits during serious illness or waiving premiums during disability. These features are now common on senior-focused policies, but most add cost and may reduce the death benefit when used. As of 2025, regulators and industry guidance emphasize clarity of definitions and consumer protections for living-benefit riders and variable products; see the <a href=\"https:\/\/content.naic.org\">NAIC on accelerated death benefits<\/a> and <a href=\"https:\/\/www.finra.org\">FINRA\u2019s 2025 oversight report<\/a>.<\/p>\n\n\n\n<ul>\n<li><strong>Accelerated death benefit:<\/strong> Access part of your death benefit while living under qualifying conditions (e.g., terminal or chronic illness). Terms and tax treatment vary; review policy disclosures and <a href=\"https:\/\/content.naic.org\">NAIC guidance<\/a>.<\/li>\n\n\n\n<li><strong>Accidental death and dismemberment:<\/strong> Adds benefits for qualifying accidental death or severe injury; illness is typically not covered.<\/li>\n\n\n\n<li><strong>Waiver of premium:<\/strong> Premiums can be waived during qualifying disability (definitions vary by insurer and rider).<\/li>\n\n\n\n<li><strong>Chronic care:<\/strong> Riders triggered by inability to perform activities of daily living or cognitive impairment can help fund care; tax-qualified LTC riders (\u00a77702B) offer LTC-specific standards. See <a href=\"https:\/\/content.naic.org\">NAIC LTC overview<\/a>.<\/li>\n\n\n\n<li><strong>Living death benefit: <\/strong>Often another term for an accelerated death benefit; using it generally reduces the remaining death benefit.<\/li>\n<\/ul>\n\n\n\n<p>Learn more details about riders and how they work on our full page about <a href=\"https:\/\/www.reviews.com\/insurance\/life\/riders\/\" class=\"achor-toggles\">life insurance riders.<\/a> Regulatory updates to note in 2024\u20132025: Colorado adopted first-in-nation rules for life insurers\u2019 use of algorithms\/data in underwriting to prevent unfair discrimination (<a href=\"https:\/\/doi.colorado.gov\">Colorado DOI<\/a>); the FCC declared AI-generated voice robocalls illegal under the TCPA (<a href=\"https:\/\/www.fcc.gov\">FCC<\/a>); CMS\u2019s 2025 MCMG tightens cross-selling rules during Medicare appointments (<a href=\"https:\/\/www.cms.gov\">CMS<\/a>); and FINRA reiterated Reg BI and communications scrutiny for variable life (<a href=\"https:\/\/www.finra.org\">FINRA<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do you need life insurance after 70?<\/h3>\n\n\n\n<p>If you\u2019re over the age of 70, many insurers still issue whole life (often final-expense) and a subset offer short-term options. Expect higher premiums and stricter underwriting: for a healthy non-smoker, recent research shows around $200\u2013$350\/month for a $250,000, 10-year term at age 70 (fewer carriers available), while a $10,000 final-expense whole life policy commonly runs roughly $45\u2013$70\/month at age 70 and $70\u2013$120\/month at age 75 (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>). Consider applying before your next birthday (age-nearest pricing) and compare simplified-issue vs. fully underwritten options for value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Buying life insurance in your 20s vs. your 50s<\/h3>\n\n\n\n<p>In your 20s, term life typically focuses on income replacement and debt protection at low cost. In your 50s, needs shift toward legacy planning, final expenses, and potential care funding. Permanent coverage (whole or universal) can provide lifetime guarantees and access to living benefits; late-age term can bridge 10\u201315 years for targeted obligations. Pricing rises sharply each age band\u2014$250,000\/10-year term for a healthy non-smoker commonly moves from ~$100\u2013$170\/month at age 60 to ~$170\u2013$260 at age 65 (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How easy is it to get life insurance after 50?<\/h3>\n\n\n\n<p>Getting life insurance after 50 remains feasible. Many carriers expanded accelerated\/no-exam underwriting for select term and permanent policies, though fully underwritten coverage still offers better value when health permits. If medical underwriting is a hurdle, simplified-issue final-expense or guaranteed-issue whole life can provide fast, modest coverage\u2014at a higher cost per dollar than term or universal life. To control costs, apply before age-nearest pricing jumps, compare multiple quotes, and match term length to remaining obligations (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>). Also review financial strength (<a href=\"https:\/\/www.ambest.com\/ratings\/guide\">AM Best<\/a>), service (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power<\/a>), and complaint patterns (<a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a>) before you apply.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h2>\n\n\n<div id=\"block_5ec6daa4444a9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you get life insurance if you\u2019re over 70?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes. Many insurers issue whole life (often final-expense) into the early-to-mid 80s, and some offer short-term options at 70+. Expect higher premiums and tighter underwriting; simplified-issue final-expense and guaranteed-issue whole life can help when medical exams are a barrier. Typical costs: ~$45\u2013$70\/month for $10,000 final-expense WL at age 70, and ~$200\u2013$350\/month for $250,000\/10-year term at age 70 if available (<\/span><a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5ec6dae8444aa\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does life insurance expire at a certain age?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Term life ends after the chosen term (e.g., 10 years). Whole life and many universal life designs can last for life as long as premiums are paid (or per no-lapse guarantees). Seniors often pair smaller final-expense WL for lifetime needs with short-term coverage for specific obligations.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5ec6db17444ac\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best life insurance for seniors?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There\u2019s no single &#8220;best&#8221; for everyone. For final expenses, simplified-issue whole life (e.g., Mutual of Omaha) is widely used; for service and local agent support, State Farm is a consistent J.D. Power leader; for lifetime legacy planning, mutual carriers like New York Life can be strong for permanent coverage. Always check 2025 customer satisfaction (<\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power<\/a><span style=\"font-weight: 400;\">), financial strength (<\/span><a href=\"https:\/\/www.ambest.com\/ratings\/guide\">AM Best<\/a><span style=\"font-weight: 400;\">), complaint patterns (<\/span><a href=\"https:\/\/content.naic.org\">NAIC<\/a><span style=\"font-weight: 400;\">), and current quotes before deciding.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>As financial needs evolve in retirement, seniors often look for policies that balance affordability, lifetime guarantees, and practical living benefits. In 2025, the strongest senior-focused picks are carriers with A or better financial strength, consistently solid customer satisfaction, and low complaint patterns, paired with products seniors can qualify for late in life. Our analysis emphasizes [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358485,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1270],"tags":[],"post_author":[6067],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Life Insurance Companies for Seniors in 2025 - Reviews.com<\/title>\n<meta name=\"description\" content=\"Not every life insurance policy fits every person or family&#039;s unique needs. Read our reviews to determine which insurance companies are best for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/life\/best-for-seniors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Life Insurance Companies for Seniors in 2025 - Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Not every life insurance policy fits every person or family&#039;s unique needs. 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