You are 76 YEARS Old can you get life insurance?

Answer 1

A number of life insurance companies will offer life insurance coverage up until the age of 90, depending on which state the life insurance policy will be issued.

Some things to note about older age underwriting:

Each life insurance company has its own set of underwriting guidelines, some are more strict than others. It is critical to understand the underwriting requirements BEFORE you apply for life insurance.

Examples for Age 76:

Some companies will require a treadmill stress test for age 76, while other life insurance companies will require a simple resting Electrocardiagram.

Some life insurance companies now test prosposed insureds for dementia by having the insured complete a "clock drawing test" or "word recall test"...Other companies won't test you for any of these.

Some companies will require an insurance exam performed by an MD, while other companies will accept a simple paramed exam performed by an examiner.

Any competent life insurance agent should be able to tell you the requirements before you apply for life insurance so you can decide beforehand if you want to apply to certain companies.

Answer 2

Yes, it is possible to get life insurance at 76 years old. However, the availability and cost of the policy may vary based on factors such as your health, the type of policy you are looking for, and the coverage amount you need. It is recommended to speak with an insurance agent to explore your options.