Group and Private Insurance

You can buy cheap senior citizen life insurance by requesting information from our site. In fact, there are special policies for seniors who have serious medical conditions as well as policies for those in good health.

If you do have a serious medical condition your life insurance broker may advise that you purchase a modified benefit policy. These policies typically only pay the full death benefit if the insured dies after the policy has been in force for two or three years. If an insured dies before then, paid premiums will probably be refunded.

Many seniors and their families benefit from these types of policies. They are easy to qualify for. No exam is needed. However, there are many who are healthy enough to purchase an underwritten policy that purchase modified benefit plans.

If you do not have a serious health condition, you will probably do much better with an underwritten life insurance policy. No exam life insurance is more convenient, but is much more expensive than life insurance policies where medical questions are asked.

If you are looking to buy cheap senior citizen life insurance,  make sure that you rule out plans that require an exam before you take the easy (and more expensive) route and purchase a no-exam required life insurance policy.