Is There Any Insurance Available For People, In Good Health At 81 Years Old? 
At age 81 , you 're looking at permanent life insurance programs as term insurance is only offered until age 75 . If you 're looking for a small policy amount -LRB- e.g. $ 10,000 , $ 25,000 , etc. -RRB- , you 'll be looking at final expense life insurance policies . Final expense life insurance is a form of whole life insurance - the premiums remain fixed and guaranteed for life and the policy builds cash value . The underwriting typically consists of `` yes/no '' health questions , a phone interview with the carrier , and a prescription check - these types of programs do not have a medical exam requirement . If you 're looking for more coverage than that -LRB- e.g. $ 50,000 , $ 100,000 , $ 250,000 , etc. -RRB- , you 'll be securing it under a fully underwritten life insurance policy that requires a medical exam . Regardless of which type of life insurance you want to pursue , you should consult with an independent agent who can look at many carriers to compare rates and make sure of what you qualify for so you can get the coverage at the lowest possible cost . I work with these types of programs very often and would be happy to assist . If you would like my assistance , please send me an e-mail via the contact me button next to my name with your name and number and we can go over the options accordingly and any questions you may have . Thanks very much . 