Quick answer: Yes. Some carriers issue final expense insurance up to age 85, and a few up to 89 or 90. There is usually no medical exam — approval is based on a few health questions, or none at all (guaranteed issue, with a waiting period). A licensed agent can compare plans available in your state.
What it is
A small whole life policy that pays a lump sum to your beneficiary for funeral, burial or cremation costs, medical bills, or anything else your family needs. Common amounts are $5,000 to $25,000. [VERIFY]
Can you still qualify?
It depends on the carrier and your state. Many carriers stop at 80 or 85; a few accept up to 89 or 90, usually with lower coverage limits. If you were told there are "no more options," it's worth getting a second opinion from an agent who works with several carriers.
Plan types
| Type | Health questions? | Waiting period? | Best for |
|---|---|---|---|
| Simplified issue | Yes, a few | May have none | People in stable health |
| Graded benefit | A few | Yes, 2–3 years partial benefit | People with some health issues |
| Guaranteed issue | None | Yes, usually 2 years | People with serious health issues |
Cost
Premiums depend on age, sex, health, coverage amount, and state. For $[AMOUNT] of coverage, an 86-year-old male may pay about $[RANGE] per month. [FILL with dated quotes]
How to apply
- Call or WhatsApp +1-888-567-8901. We speak Spanish and English.
- Answer a few health questions. Takes about 15 minutes.
- Choose your plan and beneficiary. We explain everything before you sign.
Last updated: [LAST UPDATED]. Reviewed by the Beneficio Hispano content team.
Beneficio Hispano is an informational and referral service; it is not an insurance company or a licensed agency itself. Calling or messaging connects you with a licensed, independent insurance agent partner who will assist you directly. Product availability, benefits, and premiums vary by state, age, health, and carrier. Quotes are illustrative and are not an offer of coverage. Not affiliated with the U.S. government, Medicare, or Social Security.