Can I get life insurance at age 70 in Nevada?

Yes, life insurance is available at age 70 in Nevada, though your options and premium ranges differ from those available at younger ages. The key is knowing which products and carriers are appropriate for your specific situation.

Guaranteed issue whole life insurance accepts applicants up to age 80 or 85 depending on the carrier—no medical exams, no health questions. Face amounts are typically $5,000–$25,000, making these suitable for final expense coverage rather than income replacement. There is usually a two-year graded benefit period before full coverage activates.

Simplified issue policies ask a few health questions but require no medical exam. Face amounts can reach $50,000–$100,000 for healthy applicants. For a 70-year-old non-smoker in good health, these can provide meaningful coverage at manageable premiums.

Full medically underwritten policies are also available up to age 70–75 at many carriers, offering the best rates for applicants in excellent health. If your health is good, this pathway may provide the most coverage per premium dollar.

Nevada's no income tax environment means beneficiaries receive the full death benefit amount. Agents in our network can compare options from multiple A-rated (A.M. Best) carriers to find the most appropriate coverage for your health profile and goals.