Can An 80 Year Old Person Get Life Insurance? 
While it 's possible for an 80 year old to get life insurance , it can sometimes be a bit of a process . At 80 one might still qualify for certain simplified issue policies . Simplified issue simply means that the normal medical underwriting requirements might not be quite as invasive as they would otherwise be . If the individual is in superlative health , he or she can also entertain a fully underwritten policy , meaning he or she will undergo pretty extensive medical underwriting in order to qualify for the life insurance policy . This would be the cheaper option per dollar of death benefit purchased , but requires the proposed insured to be in excellent health . If someone this age is considering life insurance time is of the essence as many carriers cutoff eligibility after age 80 and many more cutoff at age 85 . Very few will go up to age 90 , which is where almost all stop issuing policies . 