Life Insurance For 82 Year Olds [Best Help Is Here!]

At Buy Life Insurance For Burial, we believe that every 82 year old senior should have life insurance. In this article, we’ll tell you why you need insurance, what are the best options for you, and how to qualify if your health isn’t the best. 

Whether you are 82 years old yourself or you are looking for a policy for your 82 year old parent, you’ve come to the right place! 

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What are my coverage options at the age of 82?

If you are 82 years old, you have the following options when it comes to life insurance for seniors: universal life insurance, whole life insurance, and term life insurance. 

Universal life insurance

Universal life insurance can be a good option if your health is good. Keep in mind, however, that if it’s set up incorrectly, guaranteed universal life insurance for seniors may cancel. When it’s set up right, it’s a permanent insurance policy that you won’t outlive. 

Whole life insurance

This is the type of life insurance that we recommend to most of our senior clients. The advantage of whole life insurance is that it won’t cancel due to your age or your health as long as you are paying premiums. In other words, this is insurance that you can’t outlive. 

Our life insurance carriers offer “simplified issue” underwriting. This means that you  automatically qualify for their whole life policies and they won’t ask you to take a medical exam.

All you have to do is answer a few simple health questions to be approved. Also, you qualify for first-day full coverage and premiums don’t increase. 

Term life insurance

Many seniors think that term life insurance is the best life insurance for them. However, this is not always the case. Term life insurance guarantees coverage only for a certain number of years. If you end up outliving this type of policy, you’ll be left with no insurance at all. 

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Besides, term life insurance is not easy to qualify for. At the age of 82, you will most likely not get approved due to your age or health. In addition, term life insurance often has very high premiums. 

What if I still want term life insurance? Can you help?

If you would still like to get term life insurance, we’ll do our best to find a great policy for you. We will choose an insurance carrier who is easier on underwriting and help you get a great term life insurance policy that suits your needs.

What if I’m on a fixed income? Can I afford life insurance?

Even if you’re on a fixed income, we can always adjust the rates to fit your budget. At Buy Life Insurance For Burial, we help all our clients with a policy regardless of their financial situation.

We have extensive experience in helping low-income seniors to find great life insurance at an acceptable price. 

Can I qualify for life insurance if my health is not the best?

Yes, you can qualify even if your health is not good. 

There are life insurance policies with first-day coverage for seniors with poor health. You are eligible to qualify if you have one of the following conditions:

  • heart issues including heart attacks and strokes,
  • mental health issues,
  • cancer,
  • lung diseases,
  • diabetes (even if you use insulin or have diabetic complications),
  • neurological disorders such as Parkinson’s or lupus,
  • and more. 

However, it’s worth keeping in mind that if you suffer from the toughest pre-existing conditions at the age of 82, you may not be able to qualify for no questions asked whole life insurance policies. 

Do I need a medical exam to qualify?

The good news is, 82 year old seniors don’t always need to undergo a medical exam to qualify for life insurance. In fact, most of our senior clients opt for “simplified issue coverage” instead of taking medical exams. 

When you apply for one of our life or burial insurance policies, the insurance company will check your medical history before deciding whether you are approved. You won’t have to undergo any medical exams. So this is a quick and simple way to get a life policy. 

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Unlike most life insurance programs that require weeks of underwriting analysis, with our life insurance options, you will be able to get approval immediately. 

What is the best insurance carrier for seniors aged 82?

Every person’s health situation is different and health factors vary significantly between life insurance carriers. That makes it impossible to recommend one single carrier to all 82 year old seniors. 

But because Buy Life Insurance For Burial is an independent broker that represents multiple life insurance companies, we have access to the very best coverage options. You can be sure that we will always recommend a great policy at the best price that will best suit your individual needs. 

What about AARP and Colonial Penn? I see many television commercials about their burial insurance. Should I get insurance from them?

AARP or Colonial Penn have been advertising their burial insurance for seniors for years. However, you should be aware of all the details of their policies before you make a commitment to buy from them. 


AARP increases their premiums every 5 years, so that their term coverage becomes very expensive after a while. Many seniors have to drop their AARP plans because they get too pricey.

Plus, AARP term life insurance cancels already at the age of 80, which means that at your age you can’t benefit from their term life insurance. 

Colonial Penn 

Colonial Penn’s guaranteed acceptance policy doesn’t cover for full natural death for the first two years, so this may not be the ideal policy for you. We at Buy Life Insurance For Burial believe that we can find better products for your needs.

Why should I take out life insurance at the age of 82?

You should always consider taking out life insurance, even at the age of 82. 

Many seniors your age use life insurance policy to:

  • Cover final expenses. In our experience, seniors often don’t have enough life insurance coverage or savings to pay for their funeral costs and burial or cremation costs. One of the most common reasons why 82 year olds decide to purchase insurance is because they want to cover their final expenses.
  • Pay off debt. When you’re 82 years old, you may want to buy life insurance to pay off debt including mortgage and credit card debt.
  • Leave a legacy of love. Many seniors decide to buy life insurance in order to leave money behind to their loved ones.
  • Use it as an income replacement. For 82 year olds, life insurance can serve as a replacement for income loss after the death of their spouse who was the primary earner.
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What about my 82 year old parents? Can I get coverage on them?

At Buy Life Insurance For Burial, we often help adult children get burial and life insurance coverage on their parents.

You can buy life insurance on your parents who are 82 years old if they sign off on the policy. The only exception to this rule is if you have power of attorney. 

If your parents agree for you to take out the life or burial insurance coverage, you can set up payments from your account for their policy premiums.

How can I get a free life insurance quote from you?

Getting a free life insurance quote from us is easy and can be done by phone or online. 

Call us at 888-626-0439 to speak to one of our representatives. If we’re busy, leave us a message and we’ll call you back as soon as possible. It will take only 10 minutes to get you a quick quote for life insurance.

Alternatively, you can ask for an online quote. If you’re on a smartphone, just click the button at the top to request a free quote.

And if you’re on your computer, fill out the information to your right then click “submit”. You’ll get to see some price options, and we’ll follow up with you to discuss them with you.