Life Insurance for Seniors Over 60: No Medical Exam Options Compared
As we age, finding affordable and reliable life insurance for seniors over 60 becomes a top priority. Many seniors prefer policies that offer fast approval without requiring a medical exam. Fortunately, several top-rated insurers in the USA now offer no medical exam life insurance plans tailored to older adults.
In this guide, we’ll compare the best options available in 2025, the benefits of skipping the exam, and what you should consider before choosing a policy.
Why Choose No Medical Exam Life Insurance?
These policies are ideal for individuals with pre-existing health conditions or those who want quicker approval. The application process is simple, and you can often get coverage in just a few days.
- No need for doctor visits or lab work
- Fast approval — often within 24 to 72 hours
- Peace of mind for your loved ones
Top Companies Offering Senior Life Insurance without Medical Exam
- Mutual of Omaha – Well-known for senior life and final expense policies
- AIG – Offers guaranteed issue plans with no health questions
- Colonial Penn – Easy online application and fixed premiums
- Transamerica – Coverage up to $50,000 with minimal paperwork
- Globe Life – Accepts applicants up to age 80
Types of Senior Life Insurance Plans
- Guaranteed Issue Life Insurance – No questions, guaranteed approval
- Simplified Issue Life Insurance – A few health questions but no exam
- Final Expense Insurance – Covers funeral and burial costs
What to Consider Before Buying
Always check for:
- Waiting periods (some plans require 2 years before full benefit)
- Coverage limits and age restrictions
- Company’s financial strength and customer service ratings
FAQs
Q: Can I get life insurance at age 65 or 70 without a medical exam?
A: Yes. Many companies offer plans for applicants up to age 80 with no exam required.
Q: How much does no medical exam insurance cost?<
