Is life insurance available for seniors in Nevada?

Yes. Nevada seniors have meaningful life insurance options at every age. Term policies are available to many applicants up to age 75 or 80, though premiums increase substantially with age and shorter terms are more accessible. Permanent policies—whole life and universal life—are issued to seniors in many cases, with some carriers accepting applicants up to age 85.

Final expense (burial) insurance is designed specifically for seniors and requires no medical exam in most cases. Coverage amounts typically range from $5,000 to $50,000 and are intended to cover funeral costs, outstanding medical bills, and other end-of-life expenses. Premiums are fixed for life and the policy cannot be cancelled as long as premiums are paid.

Seniors in good health may qualify for larger fully underwritten policies with competitive premiums, especially if they seek coverage early. The older you are at application, the more important health status becomes in determining eligibility and pricing. Agents in our network work with A-rated (A.M. Best) carriers that specialize in senior coverage and can match your health profile to appropriate products.