Life insurance rates strongly depend on your gender (since women tend to live, on average, longer than men) smoking habits and coverage required. Choose a visual below that is the closet to your situation. Please choose smoker if you stopped smoking but, less than two years ago.

You can also explore the major reasons for people aged 70 and older to get life insurance.

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Life insurance rates for a female, 70+ years old, non-smoker

Life insurance rates for a female, 70+ years old, non-smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance product. It means that should a policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. If a policy holder does not smoke, this will be reflected in the life insurance premiums – they are nearly two times lower than for smoking policy holders.

Approximate rates for a Term 10 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000$117$145 Special age category – talk to us to get your rate
$200,000$228$285
$500,000$548$639
$1,000,000$1,089$1,272

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000 Special age category – talk to us to get your rate Special age category – talk to us to get your rate Special age category – talk to us to get your rate
$200,000
$500,000
$1,000,000

Rates from November 2015

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Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.


Life insurance rates for a male, 70+ years old, non-smoker

Life insurance rates for a male, 70+ years old, non-smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should a policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. If a policy holder does not smoke, this will be reflected in the life insurance premiums – they are nearly two times lower than for smoking policy holders.

Approximate rates for a Term 10 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000$160$206 Special age category – talk to us to get your rate
$200,000$314$407
$500,000$729$898
$1,000,000$1,510$1,789

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000 Special age category – talk to us to get your rate Special age category – talk to us to get your rate Special age category – talk to us to get your rate
$200,000
$500,000
$1,000,000

Rates from November 2015

Get a free quote

Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.


Life insurance rates for a female, 70+ years old, smoker

Life insurance rates for a female, 70+ years old, smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should a policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. Smoker’s insurance rates are approximately two times higher than for those who do not smoke.

Approximate rates for a Term 10 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000$179$221 Special age category – talk to us to get your rate
$200,000$352$436
$500,000$853$1,003
$1,000,000$1,700$2,000

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000 Special age category – talk to us to get your rate Special age category – talk to us to get your rate Special age category – talk to us to get your rate
$200,000
$500,000
$1,000,000

Rates from November 2015

Get a free quote

Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.


Life insurance rates for a male, 70+ years old, smoker

Life insurance rates for a male, 70+ years old, smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should a policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. Smoker’s insurance rates are approximately two times higher than for those who do not smoke.

Approximate rates for a Term 10 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000$300$375 Special age category – talk to us to get your rate
$200,000$593$745
$500,000$1,445$1,770
$1,000,000$2,882$3,515

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
CoverageYour age is… ->707172 and older
Coverage valid until age of …->9091
$100,000 Special age category – talk to us to get your rate Special age category – talk to us to get your rate Special age category – talk to us to get your rate
$200,000
$500,000
$1,000,000

Rates from November 2015

Get a free quote

Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.


Main Reasons to get Life Insurance When you are 70+ years old

life-insurance-reasons-final-expensesFinal expenses: An unexpected death could be a heavy burden on your family or your significant other should they have to deal with all the final expenses / funeral and burial costs. These can reach $15,000-$20,000 – for more on final expenses check out our article. A small life insurance policy can take care of this potential burden on your family members – that’s the main reason to get life insurance at this age.

It is not always easy to get standard life insurance at this age but luckily, there are special insurance products such as no medical life insurance (simplified issue insurance and guaranteed issue insurance). An experienced life insurance broker can help you get this product and minimize your insurance rates as much as possible.

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