Instant Quote

Life Insurance for 60-69 Year Olds (You Need to See this Now…)

Term life Insurance for 60 – 69 Years OldIf you’re over 60, you might be worried that you’re too old to buy life insurance.

… or perhaps you have a medical concern and wonder if you can even qualify.

We can help!

At Huntley Wealth Insurance, we specialize in understanding and meeting the life insurance needs of individuals ages 60-69.

Whether you are coming to us as a healthy, non-smoker, or if you have medical conditions such as diabetes, previous bouts with cancer or heart troubles, overweight, or are a smoker, we are experts at helping you find the most affordable premiums from the highest rated insurance companies.

Sample Term Life Insurance Rates by Age

Monthly Premiums for Healthy Male, Ages 60-69 Years Old

Age                      $100,000   $200,000  $300,000   $400,000
60 Year Old Male   $28.62    $52.03    $72.30       $94.66
61 Year Old Male   $31.15    $55.57    $79.61       $104.40
62 Year Old Male $35.32    $58.82    $84.92       $110.99
63 Year Old Male   $39.67    $67.04    $97.05       $127.07
64 Year Old Male $43.24    $77.27    $112.24     $147.22
65 Year Old Male   $49.02    $87.14    $126.90     $166.65
66 Year Old Male $54.03    $99.29    $145.11     $190.94
67 Year Old Male   $59.25    $111.13  $158.17     $208.71
68 Year Old Male   $63.34    $120.15  $170.69     $225.42
69 Year Old Male   $67.60    $128.67  $183.48     $242.47

(10 Year Level Term Life Insurance Quotes – Premiums based on healthy, male, non-smoker.  Rates valid as of 7/3/16, subject to change)

For a customized quote based on the exact term length you want and your health, please use our quote form on the right, or click here, or call us at 877-443-9467.

Life Insurance Over Age 60 [Video Tips]

What Type of Life Insurance Policies Are Available in Your Sixties?

Most term life insurance policies available for all ages from 60-69.

All term lengths can be purchased through your sixties except 30 year term, which is not available over age 60, and 25 year term, which is available through age 65.

So you can buy 10, 15, 20 and 25 year term up to age 65.  At age 65, the 25 year term option falls off.

What Type Do You Need?

For most life insurance needs, term life will suffice.

This is a temporary coverage that offers a guaranteed level premium and death benefit for 10, 15, 20, or 25 years, after which time the premiums increase.

See our reasons to buy life insurance below.  Typically the only reason to consider a permanent policy such as guaranteed universal life insurance or whole life insurance is if you have an estate planning, charitable planning, or inheritance goal.

Some of you may be in your sixties wondering why you need life insurance anymore.  Here are some of the reasons our clients buy life insurance into their 60’s.

Reasons Life Insurance is Needed in Sixties

There’s a lot going on over age 60.  You need to think about:

  • Retirement
  • Social Security
  • Medicare or Medicaid
  • and Leaving a Legacy

… how does life insurance fit in here?

Here are the top reasons people need life insurance in their sixties, and how we might be able to help you.

  1. Income replacement – You’re still working and want to leave your spouse, partner, or children a death benefit.  Term Life Insurance is probably your best choice for income replacement.
  2. Estate Planning – You may need to add liquidity to an estate filled with real estate or business holdings, or after 2010, you may need the insurance to pay for estate taxes.
  3. An Inheritance – You don’t care how old you are when you pass.  You want to leave something to your family.
  4. Business Insurance – For Key Man Insurance or Buy-Sell Agreement
  5. Used in conjunction with a Trust – Common uses are to fund an AB or Bypass trust, or Irrevocable Life Insurance Trust.
  6. Cover a Loan – perhaps you have some debt or a mortgage, that you don’t want to leave to your spouse or children upon your passing.  Life insurance is a wonderful tool to take care of debts at death.
  7. Single or Joint Annuity – Say you’re 68 years old and your wife is age 62, and upon your retirement you’re given the option of taking $40,000 per year single annuity payment for your life or a joint annuity payment of $30,000 for you and your wife.  You might spend $5000 per year on life insurance and take the single annuity.
  8. Social Security – Perhaps you or your spouse is trying to decide whether to take social security income as soon as it’s available at 62 years old, or should you wait until 63, 64, etc.  Full retirement age is  67.  You may need some coverage for you or your spouse once you’re on a fixed income.  The life insurance could be helpful in the event one of you passes prematurely.

What If I Have a Health Condition?

Perhaps you’ve tried buying life insurance but couldn’t qualify due to a medical condition.

At Huntley Wealth, we are the high risk life insurance experts.

So it doesn’t matter if we’re talking about a history of something mild like blood pressure or high cholesterol, or something serious like a stroke, obesity, or diabetes.

Have You Seen Our Tagline?

“From Broken Hearts to Missing Parts… Yeah, We Cover That!”

Let us help you.  Get a quote using the form on the right and let our experts get you the coverage you need.

Use an Independent Agent and Call Today!

You’ll also want to use an independent agency who can make sure you get the lowest term life insurance rates from multiple insurance companies.  Please call us for a quote at 877-443-9467. For more information about us, please visit our About Us page and my .


*Huntley Wealth Insurance and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.
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

All Comments

  1. HARRY SMITH on February 2, 2011, 12:33 pm


  2. Ron Aiello on April 6, 2011, 9:29 am

    I am looking for 20 yr. term life insurance. I am non-smoker, 5’8″ 175lbs, good health with HBP and Cholesterol both controlled with meds. No major illnesses in last 10 years. Seeking $50,000 policy.

  3. Larry Sprague on April 18, 2011, 10:56 am

    Rates for 66 year old man……$100,000

  4. Debbie on May 13, 2011, 6:19 pm

    I am interested in what a term insurance policy for 200,000 would cost for a 62 year old male, who is on BP medication, with controlled BP, and no other health problems, and is a non smoker? Would it be what the rate chart shows above? if the rates haven’t changed since then?

    • Chris on May 17, 2011, 1:29 pm

      Hi Debbie,
      Yes it would be very close. Many companies allow treated BP in their best class, which is quoted above. You should also keep in mind that some non-health related issues can affect your rating, such as hazardous travels, occupation, or hobbies, or a family history of cancer or heart disease. To get an accurate quote, you’ll want so speak to us for a few minutes. 877-443-9467. Thank you.

  5. Dennis Piller on October 2, 2012, 5:14 pm

    Dear sir: I am an American citizen living in Australia and I am just wondering if I could get a life insurance policy from you! I am 68 years old,non-smoker, on a very mild BP medication and otherwise in good health! Kind regards,Dennis Piller

    • Chris Huntley on October 4, 2012, 11:42 am

      You must have some sort of tie to the U.S.

      Please understand that for a Foreign Resident to be approved for life insurance in the U.S., the insured must travel to the U.S. to take the application, medical exam, and also must be in the U.S. to accept the policy once it has been approved. (which takes 3-6 weeks on average)

      Is this possible for you?

  6. Rosemary Yazzie on November 21, 2012, 3:50 am

    I was wondering if I could inroll with your life-insurance?I’m
    62 yrs old,non-smoking,but have mild blood pressure for a year
    but doing great.if OK sent me a application.maybe 20 years
    term life insurance,maybe $100,000.

    • Chris Huntley on December 12, 2012, 2:12 pm

      Hi Rosemary,
      Thank you for your comment on my site. Assuming you live in a state where we’re licensed, we’d love to help. Please call us so we can take the application by phone at 877-443-9467.

  7. Fiona Werz on March 23, 2013, 8:05 am

    Hello my name is Fiona and I was wondering what a 20 year life insurance would cost for me for $200,000. I am in fairly good health and a non smoker. I am a little overweight and have osteo arthritis in my knee and some back pain. I am also on thyroid medication. I am 60 years old. Thankyou Fiona Werz

    • Chris Huntley on March 25, 2013, 11:51 am

      Hi Fiona,
      Give me a call for a quote please at 877-443-9467. I need a few health details before I give you a quote.

  8. Wayne on January 7, 2014, 9:24 pm

    Need quote for 62 yr old Male

    • Chris Huntley on March 26, 2014, 1:33 pm

      I just sent you an email, Wayne. Give us a call at (855) 247-9555.

  9. Gil on February 5, 2014, 5:24 pm

    I am looking for life insurance for my 64 year old mother

    • Chris Huntley on March 26, 2014, 12:27 pm

      Gil, I just sent you an email. Give us a call at 855-247-9555 and we’ll determine your mother’s options. We’ll need her birthdate, medications, and what she’s taking them for.

      • Ciera on July 11, 2016, 10:16 pm

        Are there any 100k or more policies or companies that would cover a person who had brain surgery over 3yrs ago and is back to normal health?

        • Kim on July 21, 2016, 6:48 am

          Hi Ciera,
          It is certainly possible that one of our more aggressive carriers would agree to offer coverage in this case. However, their decision would be based on all the details of the condition – diagnosis, all treatment, prognosis, etc. We would gather this information and run a trial offer to see which, if any, carrier will bite. And, should we not find any carrier willing to write a traditional policy, we can always turn to a guaranteed-issue, graded death benefit product to fill the gap. Please contact me at my email address to discuss our options. Thank you!

  10. Ralph Davis on May 8, 2014, 7:41 pm

    I’m a 61 year old man. I have a series of health issues,
    But am in good condition. I currently have life insurance
    But am paying a very high rate and it ends in 5 years.
    I would love to hear if I’m able to find new options.

  11. ron reagan on July 31, 2014, 9:43 pm

    68 yr. old male n/s looking to purchase 100k 20 yr term policy.Good health.Diagnosed as diabetic appr 3r ago, took insulin for about 3 months, took off insulin after test showed i could treat it with pill.Put on 2 metformin a day.About 3 months later metformin was cut to 1 per day.Appr. 3 month later was took off metformin completely.Went back to Dr.few months later and was told my sugar was normal, and I was not a diabetic.Went to DR. about 1 month for spider bite or something.Dr. did bloodwork and took a1c avgfor 3 months.Sugar was little high, but I had been eating a horrendous amount of sweets , just got back from wk. vacation in Branson, plus I ate 2 honey buns for breakfast.A1c avg.175-200.Gave rx for metdoemin-2 per day.TOOK ABOUT 5-6 TOTAL , STOPPED TAKING THEM.CHECK SUGAR ALMOST DAILY . RUNS BETWEEN 97 TO 123 fasting with absolutely no medication taken for my home phone # is 573 783 7474

    • Chris Huntley on August 3, 2014, 11:20 pm

      Hey Ron,
      We would be happy to work up a few estimates for you. We will send you some questions to answer. You can also give us a call at 877-443-9467 to discuss your insurance needs.

  12. Deborah Willis on August 18, 2014, 1:13 pm

    I am a 64 year old female looking for the cost of a 25 or 30 whole life policy. I high blood pressure and high cholesterol.

    • Chris Huntley on August 18, 2014, 8:56 pm

      Hi Deborah, We really need to know more about your unique medical situation. One of my colleagues will be in touch with a few questions for you to answer.

  13. Karen on September 8, 2014, 4:48 am

    Hi Chris,

    I am a 63 year old woman. Never smoked, not on any medication except for sleep and occasional anxiety issues. I am in excellent health. Run between 3-5 miles several times a week. My mother just turned 98 years and is strong both mentally and physically-relative to her age.. Live in Atlanta, Georgia. I would like to know what My premium rates might be on 10 year and 20 year term life on both 100K and 250K.



    • Chris Huntley on September 16, 2014, 4:06 pm

      Hi Karen,
      It sounds as if you and your family have great health. We will be more than happy to work up premium quotes for you based on the best options for you. You can expect to hear from one of my associates with a few questions to help us determine the most affordable option for you.

  14. Gerald Collier on November 24, 2014, 5:20 pm

    Please quote standard

    • Chris Huntley on November 30, 2014, 11:12 pm

      Hi Gerald,
      We will be happy to get you a few quotes. One of my colleagues will be in touch with you.

  15. Charles C Clark on August 11, 2015, 10:01 pm

    Want to gather a $ 300 K 20 year term premium return Life Insurance
    Excellent health
    Mo premium
    Approx on preferred level
    Please adviseDob 9-3-47
    Before turning 68

    • Chris Huntley on August 28, 2015, 1:42 am

      Hi Charles,

      I’ve forwarded your information to Cliff Pendell to help you with your insurance needs

  16. Pat on September 15, 2015, 12:03 am

    need 150.00 whole life

    • Chris Huntley on September 21, 2015, 2:25 am

      Hi Pat,

      I have forwarded your information to Jason Dana to assist you with your insurance needs

  17. Ray Hill on November 6, 2015, 6:07 pm

    61 yo Male non smoking and no medical issues looking for a quote on twenty year term for 100-200K

    • Chris Huntley on November 8, 2015, 10:36 pm

      Hi Ray
      Ramon Summerour will be in touch with you to help you with your insurance needs

  18. Carrie Nowak on December 11, 2015, 12:18 am

    Would like a $400,090 policy for myself for life. No health issues. An 5 ft. 2 inches tall, weigh 178. Take no medication.

    • Chris Huntley on December 13, 2015, 5:05 pm

      Hi Carrie,
      I have forwarded your information to Jason Dana. He will be in touch to help you with your insurance needs.


  1. […] When purchasing life insurance at 62 years old, it’s important to understand how critical your health is to the life insurance approval process.  Whether you are fortunate enough to enjoy excellent health or have pre-existing medical conditions, at Huntley Wealth Insurance, we specialize in obtaining the most affordable policy for our clients in their 60’s.  And whether you need term insurance or whole life coverage, we have all the information and a 62 year old needs for life insurance. As an independent agency, we represent various life insurance companies, but our allegiance is to you.  When searching for 62 year old life insurance, just about everyone takes some sort of medication, so it pays to have an agent find the life insurance company best for your particular medical history.  At 62 years old, all policy options are available to you, such as 10 to 20 year term life insurance, and thanks to Genworth, even 30 year term is now offered to individuals over age 60, and of course whole life as well.  Your only concern is obtaining the best priced policy with a financially secure company when getting instant quotes for life insurance policies at 62 years old. […]

Leave a Comment

Your email address will not be published. Required fields are marked *