Age Limit on Life Insurance with No Exam?

Is there an age limit on no exam life insurance policies?

Yes, there may be age limits that apply to life insurance plans with no medical exam required.

The age limits may vary by life insurance company.

Some insurers may limit the amount of coverage available, the term of your policy (10, 15, 20, or 30 years), and the age up to which you may purchase the life insurance plan.

Some insurers limit the age to 85, others at age 78 and under, and some insurers that offer higher amounts of coverage may limit the age to 65 or 60 years old.

However, the age limit may depend on the term of the policy. For instance, some people may be able to purchase a 20 year term policy with no exam at age 50, while others may be able to purchase a 10 year term policy at age 60.

Here's a review of some life insurance no medical exam plans for you to learn more about your options.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.

Age Limitation for Life Insurance?

What is the age limitation for life insurance?

There's no legal limitation for buying life insurance.

It is up to the life insurance company offering the coverage.

Some life insurers will offer coverage to people over age 80, others will limit it to people under age 78.

The older you are when you purchase your life insurance policy the higher your premiums will be due to a shorter life expectancy.

Here's an article that explains Over 70 life Insurance and some options that may be available to you for life insurance protection.

In addition, some life insurance plans for older people may be graded death benefit plans, meaning you have to own the life insurance policy for at least 1-2 years before full coverage is "In Force".

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.