Life Insurance for Seniors Ages 45-85 No Medical Exam Required

Get affordable life insurance quotes in 5 minutes. Final expense starting at $20/month. Whole life and term life options available. Free consultation with licensed experts.

Fast Approval

24-48 hours

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No Medical Exam

Guaranteed acceptance

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From $20/month

Affordable coverage

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A-Rated Carriers

Trusted companies

Life Insurance Options for Every Need

Compare our three main types of life insurance to find the perfect coverage for your family's protection.

Need Help Choosing the Right Coverage?

Our licensed insurance experts will help you compare options and find the perfect coverage for your needs and budget.

Compare All Options Speak with an Expert

Why Choose Lane Life & Legacy?

We specialize in life insurance for seniors and families, providing personalized service and competitive rates from top-rated carriers.

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Senior Specialists

Expert guidance for ages 45-85 with tailored solutions for your unique needs.

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Personal Service

Licensed agents provide honest guidance with no pressure or sales tactics.

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A+ Rated Carriers

We work with financially strong, highly-rated insurance companies only.

Fast Approval

Get approved in 24-48 hours with our streamlined application process.

Real Stories from Real Families

See what our clients say about their experience with Lane Life & Legacy.

⭐⭐⭐⭐⭐
"The process was so simple and straightforward. John Lane helped me get $25,000 in final expense coverage with no medical exam at age 67. The peace of mind is priceless."
Margaret S.

Age 67, Florida

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"After being turned down by other companies, Lane Life & Legacy got me approved for $500,000 in term life insurance. My family is finally protected, and the rates are amazing."
Robert K.

Age 42, Texas

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"John Lane made the whole life insurance process so easy to understand. I got $50,000 in whole life coverage that builds cash value. Excellent service from start to finish!"
Linda M.

Age 54, California

Trusted Insurance Partners

American Amicable Life Insurance Company logo
CICA Life Insurance Company logo
Gerber Life Insurance Company logo
GTL Guarantee Trust Life Insurance Company logo
Mutual of Omaha Insurance Company logo
Royal Neighbors of America Insurance logo
Transamerica Life Insurance Company logo
SBLI Savings Bank Life Insurance logo

We shop multiple A-rated carriers to find you the best rates and coverage

Frequently Asked Questions

Get answers to common questions about life insurance for seniors and families.

What is the best life insurance for seniors over 65?

Final expense insurance is typically the best choice for seniors over 65 because it:

  • Requires no medical exam
  • Accepts ages 45-85
  • Provides $5K-$50K coverage
  • Starts at just $20/month
  • Covers funeral and burial costs

How much does life insurance cost for a 65 year old?

Life insurance costs for 65-year-olds vary by type:

  • Final Expense: $20-$80/month
  • Whole Life: $50-$200/month
  • Term Life: $100-$400/month

Costs depend on coverage amount, health, and carrier. Get a personalized quote in 5 minutes.

Can you get life insurance without a medical exam?

Yes, you can get life insurance without a medical exam through:

  • Guaranteed acceptance policies
  • Simplified issue policies
  • Final expense insurance

These policies typically accept ages 45-85 with coverage up to $50,000. No health questions asked.

What does final expense insurance cover?

Final expense insurance covers end-of-life expenses including:

  • Funeral services ($7,000-$12,000)
  • Burial or cremation costs ($1,000-$5,000)
  • Outstanding medical bills
  • Credit card debt and personal loans
  • Legal fees and probate costs

How quickly can I get approved?

Most of our life insurance policies offer fast approval:

  • Final Expense: Instant to 24 hours
  • Simplified Issue: 24-48 hours
  • Traditional: 2-4 weeks with exam

Many policies offer same-day coverage with no waiting period.

What's the difference between term and whole life?

Term Life Insurance:

  • Temporary coverage (10-30 years)
  • Lower premiums
  • No cash value

Whole Life Insurance:

  • Lifetime coverage
  • Fixed premiums
  • Builds cash value

Protect Your Family's Future Today

Don't leave your loved ones with financial burden. Get affordable life insurance coverage with a free quote in under 5 minutes. No obligation, no pressure.

✓ No medical exam options ✓ Instant quotes ✓ Licensed experts ✓ A+ rated carriers