Which Life Insurance Is Best For Seniors? 
The best life insurance for seniors is one that will stay in effect until death at any age . To get a term policy as a senior is only advisable if the senior person has a short term need , such as wanting the life insurance to pay off a mortgage in case of death . Permanent policies -LRB- whole life or universal life guaranteed not to lapse to age 100 + -RRB- are needed for final expense coverage . If a senior person gets term life insurance and then outlives the term , it can be very difficult o qualify for a new policy then . 