{"id":213535,"date":"2023-12-06T09:23:05","date_gmt":"2023-12-06T09:23:05","guid":{"rendered":"https:\/\/fidelitylife.com\/?p=213535"},"modified":"2023-12-06T09:23:05","modified_gmt":"2023-12-06T09:23:05","slug":"life-insurance-for-seniors-over-75","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535","title":{"rendered":"Life Insurance for Seniors Over 75"},"content":{"rendered":"

Life insurance is something just about everyone should have no matter your age. The simple fact is that this type of coverage provides peace of mind that no other product can provide. <\/p>\n

But can seniors over 75 years old really access coverage?<\/p>\n

There\u2019s a common misconception that seniors over 75 don\u2019t qualify for life insurance coverage. That\u2019s simply not true. The truth is that there are plenty of seniors of all ages who have successfully purchased a life insurance policy.<\/p>\n

That misconception may keep many from accessing the peace of mind life insurance coverage can provide, but you shouldn\u2019t let it stop you. Continue reading for a comprehensive guide to help seniors make life insurance decisions. <\/p>\n

\n

Ready to get started?<\/h4>\n
\nGet My Quote<\/a>\n<\/div>\n<\/div>\n

Why Life Insurance for Seniors Over 75 Matters<\/h2>\n

When you\u2019re well into your golden years, you may think that life insurance isn\u2019t a necessity anymore. After all, at this point, all of your children are adults who take care of themselves and have children of their own. Nobody depends on you financially anymore. <\/p>\n

Why should you have insurance?<\/p>\n

The truth is that life insurance is important for seniors over 75 years old for several reasons. Here are some of the most important:<\/p>\n

To Cover End-of-Life Expenses<\/h3>\n

End-of-life expenses can be quite costly. The final month of hospice care can cost tens of thousands of dollars. Then again, you might think, \u201cI won\u2019t be here to pay the bill.\u201d but your beneficiaries will. <\/p>\n

If you have no plan to pay for end-of-life care, the bill is typically covered by your estate. <\/p>\n

That means if you have money in your estate you hoped to leave to your loved ones, it may be used to pay for your end-of-life care debts. If there is no liquid cash, your beneficiaries may be forced to sell assets like your family home to cover these expenses. <\/p>\n

Life insurance can help solve this problem. Simply consider end-of-life care costs as you determine your policy\u2019s coverage amount. Then, when it\u2019s time to pay the bill, your loved ones can use your life insurance\u2019s death benefit to do so. <\/p>\n

To Cover Funeral and Burial Expenses<\/h3>\n

Funeral and burial costs can be shocking. According to the National Funeral Directors Association, the average funeral in the United States costs $6,970 without a viewing and $7,848 with a viewing. <\/p>\n

If you die without a plan to cover this expense, your loved ones will be on the hook for the bill. If they can\u2019t afford to pay it, they may not be able to celebrate your life as they should. <\/p>\n

Life insurance can help alleviate this concern as well. When you purchase life insurance coverage, get an accurate estimate of how much money your funeral will cost. Then, simply bake this estimate into the coverage amount to ensure that the cost burden doesn\u2019t fall on your loved ones. <\/p>\n

To Pay Off Any Outstanding Debts<\/h3>\n

It would be nice if your debts died with you, but that\u2019s not always the case. Unfortunately, debts can be costly, even after you pass. If you don\u2019t have the money to pay your outstanding debts, your heirs may be forced to pay your debts out of your estate. <\/p>\n

This could prove to be a major issue. <\/p>\n

For example, let\u2019s say that when you die, your estate consists of $45,000 in cash, your family home, worth about $250,000, and smaller items. Now, let\u2019s say you die with $30,000 in credit card debt, $15,000 in personal loan debt, and a $10,000 car loan for a total of $55,000 in debt. <\/p>\n

In this case, your estate\u2019s cash balance of $45,000 won\u2019t be able to cover the cost of your debt. As such, your family may be forced to sell your family home to make up the difference. <\/p>\n

If you have a life insurance policy to cover the cost of your debts, your family won\u2019t have to make tough decisions when the time comes. <\/p>\n

To Give Your Loved Ones Peace of Mind<\/h3>\n

It\u2019s doubtful that your loved ones will ever express any concern about how they\u2019re going to handle your end-of-life and funeral costs, but it\u2019s possible that this is something they think about often. <\/p>\n

When you purchase a life insurance policy, you\u2019re taking the weight off the shoulders of those closest to you. <\/p>\n

Those expenses will fall on the people who care about you the most. Simply telling those people that you purchased a life insurance policy, even a small one only designed to cover end-of-life and burial expenses, has the potential to ease their concerns and let them rest easier at night. <\/p>\n

To Leave a Legacy Behind<\/h3>\n

Nobody wants to leave this world with nothing to leave behind, whether that means leaving something behind for the people you love or giving a meaningful donation to a charity you care about. <\/p>\n

Life insurance gives you the ability to leave that legacy. <\/p>\n

All you need to do is purchase a policy and name your beneficiaries. Those may be your children, grandchildren, friends, or other loved ones. You could even name a charity that\u2019s important to you as a beneficiary. <\/p>\n

Understanding Life Insurance Options After 75<\/h2>\n

If you\u2019ve talked to your friends or family about life insurance, or even read articles on some blogs, you may have been told that once you hit age 75, you don\u2019t qualify for coverage. Or, you may have been told that coverage simply isn\u2019t worth the premiums at this age. <\/p>\n

However, these myths couldn\u2019t be further from the truth. Moreover, they\u2019re actually quite dangerous. After all, they tend to stop seniors ages 75 and older from taking advantage of a valuable financial tool that could help their families. <\/p>\n

The truth of the matter is that you have plenty of life insurance options to choose from, even if you\u2019re 75 years old or older. Here\u2019s a breakdown of the most common types of life insurance, and their pros and cons: <\/p>\n

Term Life Insurance<\/h3>\n

As its name suggests, term life insurance is a type of life insurance policy that provides coverage for a predetermined term, or period of time. For example, a 10-year, $50,000 term life policy will pay a $50,000 death benefit to your beneficiaries if you pass away any time during the 10-year term. <\/p>\n

Term Life Insurance Pros & Cons<\/h4>\n

Term Life Pros:<\/strong> Term life insurance is relatively inexpensive when you compare this type of coverage to whole life insurance. You can also add riders to term life coverage to expand your coverage options. For example, you can add the long-term care rider to cover long-term care expenses later in life. <\/p>\n

Term Life Cons:<\/strong> Term life insurance only lasts for a predetermined period of time. If you outlive the term of the policy, you will no longer have coverage and there\u2019s no guarantee you\u2019ll be able to qualify for new coverage. That is unless you add a guaranteed insurability rider to your policy. Moreover, you may be required to submit to medical testing before coverage starts. <\/p>\n

Whole Life Insurance<\/h3>\n

Whole life insurance policies, also commonly called permanent life policies, are just what it sounds like. It\u2019s a type of life insurance policy that\u2019s not limited to any specific period of time. Instead, you\u2019ll enjoy whole life coverage for as long as you live, no matter how long that may be. Of course, that\u2019s only the case as long as you make your premium payments. Moreover, this is the only type of life insurance that builds value every time you make a premium payment. <\/p>\n

Whole Life Insurance Pros and Cons<\/h4>\n

Whole Life Insurance Pros:<\/strong> Whole life insurance doesn\u2019t involve any predetermined expiration date. You\u2019ll have insurance from the day you enroll until the day you die. You can also add riders to customize your insurance policy and your policy builds a cash value as you make your payments. So, if you need to tap into that cash value to cover unexpected costs, you\u2019ll have the ability to do so. <\/p>\n

Whole Life Insurance Cons:<\/strong> Whole life insurance is a more expensive type of life insurance coverage than other types, as it poses a larger risk to life insurance companies. Moreover, even with the higher cost, whole-life coverage typically comes with a lower death benefit. You also may be required to submit to a medical exam before coverage begins. <\/p>\n

Final Expense Life Insurance<\/h3>\n

Final expense insurance is designed to cover the cost of your final expenses. These include expenses like hospice care, funeral, and burial expenses. This is an important type of coverage because the holders of this debt may be able to get paid through your estate if you don\u2019t have plans for covering these costs, cutting into what you\u2019ve left behind for your loved ones. <\/p>\n

Final Expense Life Insurance Pros and Cons<\/h4>\n

Final Expense Life Insurance Pros:<\/strong> Final expense insurance can cover the cost of both end-of-life and burial costs. This type of coverage offers your family peace of mind and helps to ensure that debt holders don\u2019t access your estate\u2019s holdings. Additionally, final expense life insurance is relatively inexpensive when compared to other forms of coverage. In most cases, you won\u2019t need a medical exam and you\u2019ll be able to qualify for coverage as long as you don\u2019t have any serious health conditions. <\/p>\n

Final Expense Life Insurance Cons:<\/strong> Final expense life insurance only covers the cost of final expenses. It doesn\u2019t offer funds to pay off outstanding debts or to leave a legacy behind with your loved ones. <\/p>\n

Simplified Issue Life Insurance<\/h3>\n

Simplified issue life insurance is a type of term life insurance that makes it possible to access coverage with limited questions asked about your health and no medical exam is required. In most cases, all you need to do to get coverage is fill out an online form and make your first payment. However, there may be a waiting period before this type of coverage kicks in. <\/p>\n

Simplified Issue Life Insurance Pros and Cons<\/h4>\n

Simplified Issue Life Insurance Pros:<\/strong> As its name suggests, simplified issue life insurance is very easy to get. As long as you have no serious pre-existing health issues, you should qualify for coverage without a medical exam. <\/p>\n

Simplified Issue Life Insurance Cons:<\/strong> You may only qualify for heavily limited coverage amounts or terms when you purchase a simplified issue life insurance policy. <\/p>\n

Guaranteed Life Insurance<\/h3>\n

Guaranteed life insurance, also known as guaranteed acceptance life insurance, is the whole-life version of a simplified issue life insurance policy. When you sign up for this type of coverage, you\u2019ll only have to answer limited health-related questions and you won\u2019t be required to submit to a medical exam before coverage. Moreover, as a whole life policy, this type of policy isn\u2019t limited to a predetermined period of time. <\/p>\n

Guaranteed Life Insurance Pros and Cons<\/h4>\n

Guaranteed Life Insurance Pros:<\/strong> Guaranteed life insurance covers you for your entire life, however long you may live, as long as you make your premium payments. This type of coverage is typically customizable and easy to qualify for. You won\u2019t have to answer any detailed health questions or submit to a medical exam before coverage begins. <\/p>\n

Guaranteed Life Insurance Cons:<\/strong> Guaranteed life insurance policies typically come with the highest premiums of any other type of policy on this list. Moreover, it may come with the lowest death benefit. After all, you are guaranteed to be approved for this coverage, which poses the largest risk to life insurance companies. <\/p>\n

\n
\n \"Couple<\/p>\n

Explore life insurance for seniors<\/span><\/h2>\n

There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/p>\n

Get Started <\/a><\/div>\n<\/p><\/div>\n<\/section>\n

Factors to Consider When Choosing Life Insurance<\/h2>\n

Buying life insurance is an important decision. When you do, there are several factors to consider to make sure that you end up with the type and amount of coverage you need. Here are the factors you should consider as you shop for a life insurance policy:<\/p>\n

How Much Coverage You Need<\/h3>\n

It\u2019s important to think about how much life insurance you need. So, you\u2019ll have to consider why you\u2019re getting the policy in the first place. Here are a few questions to ask yourself:<\/p>\n

Are My End-Of-Life Expenses Covered?<\/strong> Do you already have a plan to cover your end-of-life expenses? If not, you\u2019ll want to make sure you have enough coverage to take care of those expenses. <\/p>\n

Am I Trying to Leave More Behind for My Loved Ones?<\/strong> If you\u2019re purchasing your policy to leave meaningful value behind for your loved ones, think about how much coverage you need to do so. <\/p>\n

Do I Have Any Outstanding Debt:<\/strong> Your lenders will be able to tap into your estate to cover your debts. Be sure to consider any outstanding debt you have as you decide your coverage amount. <\/p>\n

The Duration of Coverage You Need<\/h3>\n

How long do you think you\u2019ll need coverage for? If you\u2019re like most people, you\u2019ll want coverage that lasts your entire life. However, there are reasons for short-term life insurance policies as well. Maybe you\u2019re looking for coverage to help your children cover the cost of your grandchildren\u2019s education. If you outlive their education costs, you won\u2019t need that coverage. <\/p>\n

This is another factor that causes you to think more about why you\u2019re buying life insurance coverage. Consider how long that need will last when you purchase your policy. <\/p>\n

Premium Affordability<\/h3>\n

As a retiree, you\u2019re likely living on a fixed income, so any additional cost may be hard to cover. As such, it\u2019s important to consider premium affordability when you purchase life insurance coverage. Here are a few things to think about:<\/p>\n

Different Types of Insurance Are More Expensive:<\/strong> Whole life and guaranteed life insurance policies are the most expensive. If premium affordability is a concern, consider looking to term life and other lower-cost options. <\/p>\n

Coverage Amount:<\/strong> Some coverage is always better than no coverage. If the premium for a policy you\u2019re considering is too high, think about reducing the death benefit to reduce the premiums. <\/p>\n

Existing Health Conditions<\/h3>\n

If you have any pre-existing health conditions, you may find it challenging to get some types of coverage. For example, traditional term life insurance and whole life insurance policies require a medical exam and have strict health requirements. <\/p>\n

The good news is that policies like simplified issue and guaranteed life insurance are easier to qualify for. So, if you\u2019re worried about preexisting health conditions, consider looking into these types of options for improved accessibility. <\/p>\n

Take Advantage of Tools<\/h3>\n

If you\u2019re like most people, you\u2019re going into the idea of life insurance with many questions. If you\u2019re not sure how much coverage you need, consider using Fidelity Life\u2019s life insurance calculator<\/a>. The tool asks a few questions about you and your plans and will give you more information on how much insurance you need to meet your goals. <\/p>\n

If you want to know the cost of different life insurance policies, consider using the Fidelity Life quote tool<\/a>. This tool asks you a few questions about your age and health. It then provides you with the different coverage options that are available to you, and it provides quotes for each type of coverage. <\/p>\n

\n

Ready to get started?<\/h4>\n
\nGet My Quote<\/a>\n<\/div>\n<\/div>\n

Navigating the Application Process<\/h2>\n

If you\u2019ve never applied for life insurance before, you may find the process somewhat intimidating. Don\u2019t worry, it\u2019s not as bad as it seems. Here are a few tips to help you navigate the life insurance application process:<\/p>\n

How to Apply for Life Insurance Step-By-Step<\/h3>\n

Get a Quote:<\/strong> Start by getting a quote to determine the type of coverage that\u2019s available to you and obtain price comparisons. <\/p>\n

Choose Your Coverage:<\/strong> Choose the life insurance policy you\u2019d like to purchase. <\/p>\n

Sign Up for Coverage:<\/strong> Fill out an online form or speak with a representative to sign up for coverage. At this stage, you may be required to submit documents confirming the health information you provide and your identity. <\/p>\n

Once you\u2019ve completed this step, your application will move to the underwriting process. <\/p>\n

How the Underwriting Process Works<\/h3>\n

Insurance underwriters determine whether or not the company is willing to provide you with final coverage. Depending on the type of policy you choose, you may be required to submit to a medical exam as part of the underwriting process. These exams usually consist of:<\/p>\n

A blood pressure check. <\/p>\n

A blood test. <\/p>\n

A urine test. <\/p>\n

Your medical exam may include other testing. <\/p>\n

Once you pass your medical exam and the underwriters are happy with your application, you\u2019ll be approved for life insurance coverage. This process may take a week or two to complete. <\/p>\n

How to Prepare for Interviews With a Fidelity Life Insurance Agent<\/h3>\n

A Fidelity Life life insurance agent will guide you through the process of purchasing your life insurance policy. They are highly skilled individuals who understand the ins and outs of the coverage they sell. Prepare for your interviews with insurance agents by writing down the questions you intend to ask. <\/p>\n

It\u2019s important that you fully understand your policy before you finalize it. Some common questions to consider include:<\/p>\n

What will my monthly insurance premiums be?<\/p>\n

How much coverage will I have?<\/p>\n

Is my coverage enough to meet my goals (write your goals down)?<\/p>\n

What happens if a health condition stops me from paying my premiums? Is there a waiver of premium rider I can add to my policy?<\/p>\n

Don\u2019t be shy. This is your time to educate yourself. If you have any questions, don\u2019t be afraid to ask. <\/p>\n

Senior Life Insurance Success Stories<\/h2>\n

Here are a couple of stories of seniors and their families who have benefitted from life insurance: <\/p>\n

Rosie:<\/strong> Meet Rosie. Rosie is a 76-year-old firecracker who hadn\u2019t even considered insurance. Misconceptions about accessibility kept her from filling out applications. After talking to a friend, she found out she may qualify. Rosie recently signed up for $25,000 worth of life insurance coverage and lives with the peace of mind of knowing that her loved ones won\u2019t have to find a way to pay her final expenses. <\/p>\n

Meet Margaret:<\/strong> Margaret\u2019s husband, Rodger, passed away last year at 82 years old. When he was 75 years old, he signed up for a term-life policy to help Margaret cover the cost of the debts they had together. Today, Margaret is debt-free and enjoying financial stability through the remainder of her retirement. <\/p>\n

If you’re over 75 years old, it may be easy to fall under the common misconception that life insurance is out of reach. That’s likely not the case. You may be surprised at how affordable it can be to access the coverage you need. Chat with a life insurance expert today to access the policy you deserve.<\/p>\n

Ready to Take the Next Step?<\/h3>\n

The Fidelity Life team is here and ready to help you make the right choice for your family. Get your quote online<\/a> or call a life insurance agent at (844) 209-6398.<\/p>\n","protected":false},"excerpt":{"rendered":"

Life insurance is something just about everyone should have no matter your age. The simple fact is that this type of coverage provides peace of mind that no other product can provide. But can seniors over 75 years old really access coverage? There\u2019s a common misconception that seniors over 75 don\u2019t qualify for life insurance […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-213535","post","type-post","status-publish","format-standard","hentry","category-senior-life-insurance-101"],"yoast_head":"\nLife Insurance for Seniors Over 75 | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Seniors over 75 have options for life insurance, many with no medical exam. Learn about different life insurance plans for seniors and get a quote today.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Life Insurance for Seniors Over 75 | Fidelity Life\" \/>\n<meta property=\"og:description\" content=\"Seniors over 75 have options for life insurance, many with no medical exam. Learn about different life insurance plans for seniors and get a quote today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535\" \/>\n<meta property=\"og:site_name\" content=\"Fidelity Life\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-06T09:23:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2021\/09\/741ab147-social-fb.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jane Mitchell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jane Mitchell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535\"},\"author\":{\"name\":\"Jane Mitchell\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/person\\\/ee36011e046d223246a3366bb92965b0\"},\"headline\":\"Life Insurance for Seniors Over 75\",\"datePublished\":\"2023-12-06T09:23:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535\"},\"wordCount\":3208,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/0851074f-seniors_sectimg.jpg\",\"articleSection\":[\"Senior Life Insurance 101\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535\",\"name\":\"Life Insurance for Seniors Over 75 | Fidelity Life\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/0851074f-seniors_sectimg.jpg\",\"datePublished\":\"2023-12-06T09:23:05+00:00\",\"description\":\"Seniors over 75 have options for life insurance, many with no medical exam. Learn about different life insurance plans for seniors and get a quote today.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#primaryimage\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/0851074f-seniors_sectimg.jpg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/0851074f-seniors_sectimg.jpg\",\"width\":800,\"height\":200,\"caption\":\"Couple laughing on a boat\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=213535#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Life Insurance for Seniors Over 75\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"name\":\"Fidelity Life\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\",\"name\":\"Fidelity Life\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"width\":824,\"height\":148,\"caption\":\"Fidelity Life\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/person\\\/ee36011e046d223246a3366bb92965b0\",\"name\":\"Jane Mitchell\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"caption\":\"Jane Mitchell\"},\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?author=2\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Life Insurance for Seniors Over 75 | Fidelity Life","description":"Seniors over 75 have options for life insurance, many with no medical exam. Learn about different life insurance plans for seniors and get a quote today.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Life Insurance for Seniors Over 75 | Fidelity Life","og_description":"Seniors over 75 have options for life insurance, many with no medical exam. Learn about different life insurance plans for seniors and get a quote today.","og_url":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535","og_site_name":"Fidelity Life","article_published_time":"2023-12-06T09:23:05+00:00","og_image":[{"width":1200,"height":1200,"url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2021\/09\/741ab147-social-fb.jpg","type":"image\/jpeg"}],"author":"Jane Mitchell","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jane Mitchell","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#article","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535"},"author":{"name":"Jane Mitchell","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/person\/ee36011e046d223246a3366bb92965b0"},"headline":"Life Insurance for Seniors Over 75","datePublished":"2023-12-06T09:23:05+00:00","mainEntityOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535"},"wordCount":3208,"commentCount":0,"publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg","articleSection":["Senior Life Insurance 101"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#respond"]}]},{"@type":"WebPage","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535","url":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535","name":"Life Insurance for Seniors Over 75 | Fidelity Life","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#primaryimage"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg","datePublished":"2023-12-06T09:23:05+00:00","description":"Seniors over 75 have options for life insurance, many with no medical exam. Learn about different life insurance plans for seniors and get a quote today.","breadcrumb":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#primaryimage","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg","width":800,"height":200,"caption":"Couple laughing on a boat"},{"@type":"BreadcrumbList","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=213535#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/staging03.wordpress.fidelitylife.com\/"},{"@type":"ListItem","position":2,"name":"Life Insurance for Seniors Over 75"}]},{"@type":"WebSite","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","name":"Fidelity Life","description":"","publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/staging03.wordpress.fidelitylife.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization","name":"Fidelity Life","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","width":824,"height":148,"caption":"Fidelity Life"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/person\/ee36011e046d223246a3366bb92965b0","name":"Jane Mitchell","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","caption":"Jane Mitchell"},"url":"https:\/\/staging03.wordpress.fidelitylife.com\/?author=2"}]}},"_links":{"self":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts\/213535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=213535"}],"version-history":[{"count":0,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts\/213535\/revisions"}],"wp:attachment":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=213535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=213535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=213535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}