Short answer
Yes. Options include simplified issue policies, final expense insurance and guaranteed issue whole life, usually with higher premiums or lower coverage than fully underwritten policies.
Life Insurance for Seniors Over 60 With No Medical Exam
Many people shopping for life insurance for seniors over 60 with no medical exam have three main options:
| Option | Typical use | Watch out for |
|---|---|---|
| Simplified issue term or whole life | Healthy-to-average seniors wanting moderate coverage | Health questions; higher premiums than fully underwritten policies |
| Final expense (burial) insurance | Covering funeral costs and small debts, often $5,000–$50,000 | Smaller face amounts; price per $1,000 is high |
| Guaranteed issue whole life | Seniors with serious health conditions (age limits often ~50–80) | Graded death benefit for the first 2–3 years; lowest coverage limits |
If you’re in good health, compare quotes with a fully underwritten policy too. Taking the exam can lower your premium significantly.
USA Life Insurance Medical Exam: Quick Facts
- Exam cost to you
- $0 (paid by the insurer)
- Exam length
- About 20–45 minutes
- Typical checks
- Height, weight, BP, pulse, blood & urine
- No-exam types
- Simplified issue · Guaranteed issue · Accelerated underwriting
- Contestability period
- Usually 2 years
- Free look
- Usually 10–30 days
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Disclaimer: This guide is for general information and is not financial, tax, insurance or investment advice. Exam details, fees, blueprints and product terms change. Confirm with the official organization or a licensed professional. Read our editorial policy.