Life Insurance For 85 Year Old: Get The Facts!

You are probably reading this article because you are an 85 year old man or woman looking to take out life insurance. Or perhaps you are interested in buying insurance for your 85 year old parents. In any case, this is the article for you!

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Do I need life insurance at the age of 85?

Yes. We believe that all seniors, no matter their age, should have life insurance. Here are the most common reasons why you would need life insurance when you are 85 years old: 

  • For covering final expenses. At Buy Life Insurance For Burial, we have experienced that many of our senior clients retire with little or no savings. If this is your case, life insurance will take the burden off the shoulders of your loved ones. It will help them cover funeral costs, burial or cremation, and other final expenses.
  • For paying off debt. When you are 85 years old, you can also pay off debt including mortgage or credit card debt with your life insurance.
  • For replacing spouse income. Seniors often decide to buy life insurance to compensate for the loss of income from their spouse who was the primary earner. 
  • For leaving a legacy. Taking out life insurance at the age of 85 will allow you to leave some money behind to your children and grandchildren after you are gone.


As an 85 year old senior, you can choose between term life insurance, universal life insurance, and whole life insurance. Here are some pros and cons of each option: 

Term life insurance

Seniors usually think that term life insurance is the best form of life insurance for them. But the truth is, this is not always the case, especially when you’re 85 years old. 

First of all, term life insurance is difficult to qualify for if you are 85. Your application will often be denied due to your age or health issues. 

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Besides, term life guarantees coverage only for a certain number of years, and if you outlive the policy, you’ll be left with no insurance at all. When you are 85 years old, a life insurance policy that’s not permanent may not be the best option for you. You should look for life insurance that you can’t outlive. 

Whole life insurance

At Buy Life Insurance For Burial, we usually recommend whole life insurance to senior citizens of your age. One of the advantages of this type of insurance is that it can’t cancel due to your age or your health. As long as you are paying your premiums, you’ll be covered. You can’t outlive whole life insurance. 

Our whole life insurance options offer simplified issue underwriting where you can qualify for insurance without having to take a medical exam.

And there’s more.

Whole life insurance rates never increase. This is really important if, like many seniors, you are on a fixed income. If you choose whole life insurance, you can be sure that premiums will not get so expensive that you can’t afford them. 

Universal life insurance

Universal life insurance is also a great alternative for seniors who are in good health. When it’s set up correctly, guaranteed universal life insurance for seniors is permanent coverage that you can’t outlive. 

What if I still want term life insurance?

If you still want to buy term insurance, then we’ll be more than happy to help you. As an independent broker, we have access to carriers that are easier on underwriting. This means that we can find quality term life insurance that will be a great match for you.

What kind of rates are we looking at?

We can always find a life insurance policy that fits your budget, regardless of your financial situation. Our end goal is to help you find a policy that meets your needs. Even if you’re on a fixed income, you should never be in a situation where you have to drop coverage because it’s too expensive. 

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Do I need a medical exam?

A medical exam is not always necessary when you’re 85 years old. In fact, unlike most life insurance programs that require underwriting analysis, our insurance options for 85 year olds are approved immediately.

Most seniors opt for simplified issue coverage. This type of coverage allows you to answer a few questions about your medical history for the life insurance application instead of undergoing a medical exam. If you’re looking for a quick and simple way to get a life policy, this may be a great option for you. 

What if I am not in great shape? Can I still qualify for a policy?

Absolutely. You can qualify for life insurance even if your health is not the best. 

At Buy Life Insurance For Burial, we’ve got many options for 85 year old men and women with any health condition including:

  •  Cancer
  •  Heart issues (heart attacks, strokes)
  •  Lung disease (COPD)
  •  Diabetes 
  •  Neurological disorders (Parkinson’s disease, lupus)
  •  Mental health disorders
  •  etc.

What if I have an advanced pre-existing condition?

If you have a significantly advanced pre-existing health condition at the age of 85, you won’t be able to qualify for no questions asked whole life insurance policies. These plans provide coverage for seniors up to the age of 80. 

What insurance carriers do you recommend for seniors aged 85?

There are many good options for seniors aged 85 like you, but no single policy fits everyone. Health factors are rated differently by different insurance companies. If you don’t choose well, you may end up paying more than necessary.

At Buy Life Insurance, we work with many top-rated national insurance carriers. So if you’re an 85 year old senior looking for life or burial insurance, we can help you find the best coverage option for your health and financial situation.

Can I get coverage for my elderly parents?

Yes, getting coverage on your parents is very common these days. However, keep in mind that you can buy life insurance on your parents as long as they sign off on the policy. You won’t be able to authorize a life insurance policy on an 85 year old parent without their consent unless you have power of attorney. 

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If your parents agree to take out the life or burial insurance coverage, then you can set up payments from your account to pay the policy premium.

At Buy Life Insurance For Burial, we often assist adult children to get burial insurance or life insurance coverage on their parents and we’ll definitely be able to help you out.

Why not buy from AARP or Colonial Penn? I see all sorts of television commercials about their burial insurance and get their advertisements in the mail.

AARP and Colonial Penn offer final expense burial insurance and advertise helping seniors pay for final expenses. It’s always important to read the fine print before buying insurance. 

You should be aware of the following:

AARP life insurance offers term life insurance that cancels at the age of 80. So this is not an option for 85 year old seniors. 

As for Colonial Penn life insurance, they offer a “guaranteed acceptance” policy that doesn’t cover natural death for the first two years.

Although you may think this may be your only option because your health isn’t the best, we believe that you may qualify for a better product.

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

If you’re an 85 year old senior looking to buy life insurance, you can easily get in touch by phone or online and get a quote in a matter of minutes. Here’s what you need to do:

  • Call us at 888-626-0439 to speak to one of our representatives. If we’re busy, simply leave a voicemail and we’ll call you back as soon as possible. 
  • Get an online quote. On a smartphone, click the button at the top to request a free quote. On your desktop computer, fill out the information to your right then click “submit”. After you get some price options, we’ll follow up with you shortly to hear what you think.