Before you compare life insurance for over 65 quotes you need to:

  1. Work out how much cover you need

  2. Decide on the type of cover you want

  3. Exclude insurers who do not cover over 65s

  4. Choose how long you want your policy to last

Work out much cover you need

Many insurers offer unlimited life insurance for seniors, so it is up to you to decide how much you need before you apply.

Think about what you want the policy to pay for and how much this costs to work out a figure for the amount of cover you need.

Picking the right type of cover

If you are over 65 there are three types of cover you can choose from:

  • Level term cover

  • Decreasing term cover

  • Over 50s life cover

Check the age limits

Most insurers set an upper age limit on their policies, so if you are over 65 some may not be able to offer you cover.

You should also decide how long you want the policy to last; insurers set a maximum cover age usually somewhere between 70-85 at which point you cover will stop.