How To Get Life Insurance For The Elderly? 
To get Life Insurance for the elderly , you must first determine if the person to be insured meets the health guidelines . There are a number of small , No Exam policies that cover individuals up to age 80 or 85 , that make allowances for many of the health conditions that can plague the elderly . However , if there have been recent hospitalizations , if health conditions are very poorly controlled , or if there is need of assistance to do any ADL 's , the policy will be graded or could be declined.If cognitive abilities are reduced due to dementia or Alzheimer 's , the only option will be guaranteed issue coverage , and most of those policies are not offered past age 80 . By shopping with an agency that specializes in life insurance for seniors , you can obtain the best rate and find one that will work for the health factors of the elderly person in mind . 