Can An 83 Year Old Get Life Insurance? 
Yes , indeed . Many carriers will issue policies through age 90 . Not only that : some of them super-specialize in underwriting people in that age group . This is kind of interesting , dont you think ? It actually is very much to the consumers advantage . A company with a high level of expertise and confidence in a specific risk group can provide very good pricing to that group . And the fact of the matter is that different age groups do represent different levels of risk to carriers . Those companies who have chosen to target the elder marketplace have developed a specific underwriting guidelines for calculating premium . They have also put together specific testing to help assess risk . For example , during the exam of the potential applicant , the examiner may utilize simple cognitive exercises . Age is also a factor when underwriters try to determine the impact of long-standing medical conditions . If someone has had diabetes for decades , for example , they will take a close look at blood sugar levels and the potential impact on various organs , such as the kidneys . Financial underwriting is also a key consideration . Why would somebody 83 years old buy life insurance now ? There are any number of good , solid reasons why . Some people in their 80s are still running businesses and need to cover some business debt . They are also key people in their firm , and the firm needs to be indemnified against their loss . They might have a business partner , and a buy sell agreement needs to be funded . Perhaps they need to shield their wealth against estate taxation . Or set up a charitable giving program . Or just leave a bunch of money to their kids . Some folks in their golden years dont have too many liquid assets , so they need life insurance to take care of their spouse . Any number of reasons could make this purchase very important to the financial security and legacy of the family . 