Yes, but your choice may be limited and cover can be more expensive the older you are.

This comparison shows life insurance companies that could offer you cover if you are over 70 years old.

How long can you get cover for?

This depends on the insurer, but most set a maximum term based on:

  • A set period, for example 50 years

  • A set age, for example 80 years old

So if you chose a policy with a maximum term age of 84 years of age when you are 70, your policy would last 14 years, even if the maximum term length was 50 years.

Some insurers offer different limits depending on the cover you choose. For example, the maximum age limit may be lower for decreasing term policies compared to level term life insurance.

Why is life insurance for over 70s more expensive?

A life insurance policy when you are over 70 years old will cost you more because:

  • You are more likely to have developed health conditions

  • Your chances of developing health conditions is higher

  • Your life expectancy is shorter the older you are

Here is how you can cut the cost of your life insurance.

You can find quotes for over 70s life insurance by completing our broker form. Our life insurance broker will give you quotes from the companies shown in this comparison.

Life insurance for over 70s FAQs

Q

Should I get life insurance if I am over 70?

A

It depends on your circumstances. Your premiums are likely to be high, but if you want the payout for your loved ones it may be worth the cost.

Q

How much does life insurance for over 70s cost?

A

The price is based on your age, how much cover you want, how long you want it for, and your medical history.

Q

Can I get over 70 life insurance with no medical?

A

Some insurers will ask you to have a medical if you are over 70, and you will need to declare any medical conditions you have before you are accepted.

Q

Can I get a joint life insurance policy?

A

Yes, but you both have to qualify for the policy and get accepted by the insurer when you apply. Compare joint life insurance policies here.

Q

Is my policy guaranteed to pay out?

A

Only if your cause of death is covered in your policy, and you die during the term of the policy. Here is more on how life insurance works.

Q

Can I still get life insurance if I have poor health?

A

You may find it harder to get cover if you have any health issues. Get as many quotes as you can until you get accepted for the cover you want.

About our life insurance for over 70s comparison

Q

Who do we include in this comparison?

A

We include life insurance for over 70s from our panel of insurers. They are regulated by the Financial Conduct Authority (FCA).

Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.