Can An 88 Year Old Get Life Insurance? 
Most nonmed , final expense policies have a cutoff age of 80-85 for policy eligibility . Therefore , 88 year old 's must apply for medically underwritten Life Insurance to get coverage . This has several implications : 1 -RRB- The minimum face amount is generally higher than what you can get in a nonmed final expense policy . At that age , the minimum is usually $ 50,000 + . This makes for a higher premium . 2 -RRB- The applicant must qualify medically , which can be much more stringent than applying for a no exam policy . There are no guaranteed issue policies available at age 88 . 3 -RRB- That being said , it is possible to get life insurance at age 88 if the applicant is in fairly good health and can afford the premiums . The maximum cutoff for medically underwritten policies that I have seen is age 90 . 