Life Insurance to Age 90, 95, or 100 – American General and Prudential Updates

by Chris Huntley

1.  Pruco Life – new term to 65 product

February 24th  – Pruco has introduced a new product called

WorkLife 65.  The policy is a level term to age 65 which is

available to issue ages down to 25.  The policy includes a

waiver of premium for disability and a waiver of premium for

unemployment.  These waivers are INCLUDED in the

premium and we had to do some re-engineering to handle the

fact that when you ask for waiver of premium, the product

shows up with a waiver of premium of 0.00 indicating it is

included in the basic premiums.

2.  American General Life – new UL product

February 14th  – American General has released a new

no lapse UL product called Secure Lifetime GUL.  The

company has given us rates for “to age 90″, “to age 95“,

to age 100” and “to age 121“.

The new products are replacing ContinUL except in those

states that have not approved the new product.  The states

still quoting the old plan are MD, NJ, NY and PA.

3.  Pruco Life (A Prudential Company)- state approvals

February 14th  – Pruco’s new UL rates are now approved

in all states except CA, MA, NJ and NY.

4.  Pacific Life – minimum face amount change

February 8th  – Pacific Life has lowered its minimum

face amount from $500,000 to $250,000.

*All updates above have been provided by Compulife.

*Written by Chris Huntley. Huntley Wealth Insurance and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.
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Chris Huntley
Chris Huntley is the owner of Huntley Wealth Insurance, a San Diego life insurance agency. You can find him on Google + and Facebook. Over the past 8 years, Chris has consulted with over 2000 individuals about their insurance needs. He is a proud husband and father to three adorable girls.
Chris Huntley
Chris Huntley

{ 12 comments… read them below or add one }

Mrs. Hubbard March 17, 2012 at 1:14 pm

Please contact me at (914) 925-5054 if you have information regarding life insurance for people in their 90′s. I myself don’t know of any but I’m hoping at least one insurance company has positive information for me. I’m not on my computer often which is why I left the above telephone number. If I’m away from my desk you can leave me your name and number and I’ll return your call.

Thank you


Chris Huntley March 21, 2012 at 11:36 am

Mrs. Hubbard,
Thank you for your comment. I only have one company who will issue a policy at a maximum age of 90. The title of this article “insurance TO age 90, 95, 100″ means you get the policy when you’re younger and the premiums stay level until you are 90, 95, 100. It does not mean you can get coverage at that age. Thank you.


donald e. shuster May 5, 2012 at 6:03 pm

i am looking for life insurance to 95 or 100. i understand that the policy has the expired to 65 -70. but i do not have any smoker/ tobacco in my life. its possible to have policy. i need to know of any information about to 95 what i am 81.


Chris Huntley May 8, 2012 at 11:06 am

Hello Donald,
The pricing will really depend on your health. Can you please give me a call so I can ask you a few questions about your health history and give you a quote over the phone? 877-443-9467

Chris Huntley


sandra cicciai August 25, 2012 at 12:30 am

My mother inlaw is 97 and is in relatively fantastic health needless to.say my mother inlaw put all her finance’s to be taken care of bill paying ect. But not power of attorney now my husband the only other sibling is finding out she is pennyless that is cash flow. Other than her generous ssi from her husband that worked until he was 78 so she did pretty well. We do have a home triple decker with quite a legacy.never owned by a bank in Boston. We are looking at our optiond a small 5,000 dollar policy would surfice
If you can abvise me in anyway I would deeply appreciate it.9

Thank you,
Sandra 617-970-5325


Chris Huntley August 31, 2012 at 11:59 am

Hi Sandra,
We can offer insurance to a max age of 90. This article is talking about a policy that you get when you’re younger that offers coverage until age 100. Sorry.


marion wilson the second October 26, 2012 at 11:28 am

how much is life insurance monthly when i am 95


Chris Huntley November 5, 2012 at 7:41 pm

We don’t offer coverage at that age. Sorry.


Erica November 19, 2012 at 2:04 pm

Hi, my grandmother is 90 yrs old and lives with me and my family. she is good health and wants to knowif there is a policy that will cover her funeral expenses. ps she turns 91 next february
thank you


Chris Huntley November 20, 2012 at 2:07 pm

Hi Erica,
I’m sorry. We don’t have a policy for individuals nearest age 91. Good luck.


Margaret Lefavour May 27, 2014 at 8:24 pm

My mother is 92 and in good health other than some arthritis. Unfortunately, she has outlived her money and I’m wondering if it is possible to purchase a life insurance policy at her age which would pay off any outstanding debts after her death. She does have a policy that covers her funeral arrangements.


Chris Huntley June 12, 2014 at 10:35 am

No it’s not. Sorry. The article is about getting coverage younger in life that takes you to age 90, 95, etc.


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