Life changes after 60. You may be thinking more about retirement, legacy planning, or making sure your family is financially protected. If you’re exploring life insurance but want to avoid the hassle of doctor visits, bloodwork, or long wait times, you’re not alone.
Thankfully, life insurance with no medical exam for people over 60 is not only available — it’s more accessible than ever.
Whether you’re healthy, managing a few conditions, or just want a simpler process, there are policy options designed to give you coverage without the delays and stress of full medical underwriting. Let’s walk through how it works, what types of policies are available, and how much you can expect to pay.
Can You Get Life Insurance Over 60 Without a Medical Exam?
Yes, you absolutely can.
In fact, many insurance providers now offer no exam life insurance policies specifically for individuals aged 60 to 75. These policies are tailored to people who still want solid coverage but prefer to skip the time-consuming and often intrusive medical exam process.
Instead of requiring blood tests, physicals, or detailed medical records, these policies use either:
- A few health-related questions (simplified issue), or
- No questions at all (guaranteed issue)
That means you can often apply in minutes and get approved in days—sometimes even the same day.
It’s a growing trend in the life insurance world, especially for seniors who are looking for peace of mind without the red tape.
Why Choose a No Medical Exam Policy After 60?
There are plenty of reasons people over 60 are choosing no-exam policies, and it’s not just about avoiding needles or paperwork. For many, it comes down to time, convenience, and certainty.
Here’s why this type of life insurance makes sense:
1. Faster Approval Times
Traditional policies can take weeks (or months) to process. No-exam policies often get approved in days. That speed matters when you want coverage in place sooner rather than later.
2. Health Concerns or Pre-Existing Conditions
If you’ve had medical issues in the past, the traditional underwriting process can result in higher rates—or worse, denials. No-exam options allow you to skip the risk of rejection based on lab results.
3. Less Stress and Fewer Appointments
After 60, your time matters. No-exam life insurance eliminates the need for physicals, lab work, or long applications. That makes the process more comfortable and far less stressful.
4. Peace of Mind for Family
Life insurance isn’t for you—it’s for the people you love. A no-hassle policy ensures they’re protected financially, even if you’ve delayed getting coverage until later in life.
5. Great Option for Final Expense Planning
Many seniors want to leave enough to cover funeral costs, unpaid debts, or a small gift for loved ones. A no-exam policy can help with that—without overcomplicating the process.
Types of No Medical Exam Life Insurance for People Over 60
There’s no one-size-fits-all policy, and that’s a good thing. Depending on your age, health, and goals, there are a few main types of life insurance that don’t require a medical exam.
Simplified Issue Life Insurance
This is one of the most popular options for individuals in their 60s. With simplified issue, you’ll answer a short series of health questions, but you won’t need to take a medical exam.
- Coverage amounts often range from $25,000 to $500,000
- Premiums are higher than fully underwritten policies but still affordable for many
- Great for relatively healthy individuals who want mid-size coverage
- Approval typically happens within a few business days
This is a solid choice if you’ve had minor health issues but still want meaningful protection for your family.
Guaranteed Issue Life Insurance
Guaranteed issue is exactly what it sounds like—you’re guaranteed to be approved, regardless of your health. There are no health questions, no exam, and no denial.
- Coverage amounts are smaller—typically $5,000 to $50,000
- Often used for final expense or burial insurance
- Slightly higher premiums due to the risk to the insurer
- Usually includes a graded death benefit for the first 2 years
If you’ve been turned down for other life insurance or have significant health concerns, this may be your best option for basic end-of-life planning.
Term vs. Whole Life Options for Seniors
Some no-exam policies are term life insurance (coverage for a set number of years), while others are whole life (coverage that lasts your entire lifetime).
- Term life is often available up to age 70–75
- Whole life builds cash value and never expires (as long as premiums are paid)
- Both may offer no-exam versions, depending on the insurer
If you’re in your early 60s and want the most coverage for the lowest cost, term life is likely the better fit. If you want lifelong protection with fixed premiums, whole life is worth exploring.
How Much Coverage Can You Get After 60 Without a Medical Exam?
The amount of coverage you can get without a medical exam depends on the type of policy you choose, your age, and the insurer’s underwriting guidelines.
Here’s a general breakdown of what’s available for most seniors:
Ages 60–65
- Up to $500,000 with simplified issue
- Up to $50,000 with guaranteed issue
Ages 66–70
- Up to $250,000 with simplified issue
- $5,000–$40,000 with guaranteed issue
Ages 71–75
- Coverage often limited to $25,000–$100,000 (simplified)
- Guaranteed issue maxes out around $25,000–$35,000
Keep in mind: The older you are, the lower the maximum coverage and the higher the premium. But even modest policies can go a long way in covering funeral costs, final debts, or leaving a small financial gift to family.
Cost of No Medical Exam Life Insurance Over 60
Premiums for no-exam policies are generally higher than fully underwritten policies, since the insurer is taking on more risk. But for many seniors, the trade-off is worth it for the convenience and peace of mind.
Here’s a sample of what you might expect in terms of monthly premiums (rounded estimates):
| Age | Gender | Non-Smoker (Simplified Issue) | Smoker (Simplified Issue) |
| 60 | Male | $75/month for $250K term policy | $115/month for $250K |
| 65 | Female | $65/month for $100K term policy | $100/month for $100K |
| 70 | Male | $90/month for $50K whole life | $140/month for $50K |
Guaranteed issue policies may start around $40–$60/month for $10K–$20K in coverage, depending on age and provider.
Your actual cost will vary based on:
- Age and gender
- Smoking status
- Policy type and term length
- Coverage amount
- Health history (for simplified issue only)
That’s why it’s smart to compare quotes from multiple providers—or better yet, let a licensed expert do it for you.
Pros and Cons of No Exam Life Insurance After 60
Before choosing a policy, it’s good to weigh the advantages and limitations of skipping the medical exam.
Pros:
- Fast approvals — often within 1–7 days
- No doctor visits, needles, or lab work
- Great for those with health issues or limited time
- Coverage even if you’ve been declined before
Cons:
- Higher premiums than traditional policies
- Lower coverage caps (especially for guaranteed issue)
- Some policies have a 2-year graded benefit (for full payout eligibility)
If your health is stable and you’re not in a rush, a traditional policy might save you money. But if you value speed, simplicity, and certainty, a no-exam option could be a better fit.
What to Look for When Choosing a Policy
Not all life insurance is created equal, especially when you’re over 60. Here’s what to consider before committing to a policy:
- Financial Strength of the Insurer
Stick with providers rated A or higher by AM Best - Coverage Needs
Be realistic about what your family will need—funeral costs, debts, income replacement, etc. - Policy Type
Decide whether you need term protection or permanent coverage with cash value - Riders and Add-Ons
Some policies include living benefits, accelerated death benefits, or accidental death coverage - Application Process
Look for insurers with simple digital applications and no hidden requirements
Or, you could let a trusted advisor do all this homework for you.
How Liberty Financial Helps Seniors Find the Right Policy
At Liberty Financial, we understand that life insurance is personal—especially after 60. Whether you’re planning for final expenses, leaving a legacy, or simply protecting your family from financial stress, we’re here to make it easy.
Here’s how we help:
- We shop top-rated insurance companies to find the best no-exam policies
- We work exclusively with trusted providers offering plans for people age 60–75+
- We listen first, then recommend policies that actually make sense for your goals
- We don’t use pushy sales tactics—just clear, honest advice
- We’ll guide you step-by-step so there are no surprises
You don’t have to navigate this alone. We’ll help you find affordable life insurance without the hassle—so you can protect your loved ones and move forward with peace of mind.
Step-by-Step: How to Get Life Insurance Over 60 Without a Medical Exam
1. Decide on Your Coverage Goal
Is this to cover funeral costs, leave something behind, or pay off debt?
2. Request a Quote from Liberty Financial
We’ll gather a few details (no exam needed) and match you with the best options.
3. Submit a Quick Application
Many policies require only a few simple health questions—or none at all.
4. Get Approved
Most approvals happen within a few days. Some even within 24 hours.
5. Activate Your Coverage
Once your policy is in place, you’re covered—and your family is protected.
Conclusion
Getting life insurance after 60 doesn’t have to be stressful. If you’re looking for coverage without the delay or discomfort of a medical exam, there are real options available—and Liberty Financial is here to help you find the one that fits your life.
Get started today with a free, no-obligation quote. Our team will walk you through the process, compare the top options for your needs, and help you secure coverage that brings peace of mind—not pressure.
