Life & Burial Insurance for 79 Year Old’s Best Companies Listed

If you are 79 years old and looking to buy life insurance or burial insurance you are in the perfect place. If you fill out the quote form to the right of this page you will see life insurance rates for all of the top-rated carriers nationwide. Now at your age term(10 year term), universal life(5 companies available) and final expense life insurance options are available however term is not a good option because it will expire.

You can also only get a 10 year term policy at 79 years old which means in 10 years the policy expires and at age 89 there are very few options left for life insurance.

The type of solution you need is permanent life insurance which is whole life insurance or burial insurance, funeral insurance, etc. This type of insurance offers peace of mind to your family because it is permanent and is designed to pay the full death benefit quickly to your family so they can pay for your funeral or provide replacement of income.

Out of all the life insurance options out there, this is the only one according to your current age that guarantees your family will receive the coverage amount and not be left with a financial burden.

In this article, we will go over how to qualify for this life insurance coverage as well as the benefits and provide sample pricing for this type of life insurance.

We also help seniors ages 80 and 60. 90% of our clients get immediate coverage while the other 10% get graded coverage.

Life Insurance Options at Age 79

For 79 year old’s life insurance options are very limited because the higher you are in age the higher the risk. Life insurance companies understand that as you get older you get closer to death which presents a higher risk for them to insure.

This is why life insurance options are very limited at this age.

Term Insurance

  • Term Length – 10 – 15 years
  • Coverage Amount – $50,000 – $1,000,000 plus
  • Medical Exam & APS Records Required
  • Difficult to Qualify For

Universal Life Insurance

  • Only 1 Company Available – Protective Life
  • Coverage Amount – $50,000 – $1,000,000 plus
  • Medical Exam & APS Records Required
  • Difficult to Qualify For

Final Expense

  • Over 10 Companies Available
  • Permanent Coverage
  • Coverage Amount – $1,000 – $40,000
  • No Medical Exam Just Health Questions & Prescription/Health History Checks
  • Easy to Qualify For

How to Qualify for Burial Insurance

A big highlight about the life insurance for seniors these companies offer is the fact that they are simplified issue plans meaning it is easy to qualify and be approved. The way it works is you speak with one of our agents and they will ask you the health questions on the carrier’s application.

After this, they will do a voice signature and the carrier will look at your Medical Information Bureau Health Report and prescriptions. If your health conditions and prescriptions match up with your “no” answers you will be approved instantly right over the phone by the life insurance company.

This can all be done in 30 minutes or less our agents are highly trained in underwriting and we guarantee our clients a 90% approval rating for immediate coverage with no waiting period. Simply put we can get 90% of senior’s burial insurance with no waiting period.

Burial & Life Insurance Benefits

These burial and life insurance companies have several key benefits that are very important.

  • A Rate Lock – Premiums Never Go Up
  • Level Death Benefit – The Death Benefit Never Decreases
  • Tax-Free Death Benefit – The cash payout of the policy is tax-free to your beneficiary.

Depending on which company you go with there are additional benefits.

  • Accelerated Living Benefits – You can borrow from your policy face amount if you are diagnosed with a terminal illness.
  • Accidental Death Benefits – Additional cash benefits if you die due to an accident can result in double the payout to your family.

Cash Value

Separate savings that add additional money to your policy’s face amount that you can borrow against if you should ever need to.

Companies that Provide the Best Life Insurance age 79

The best burial and life insurance companies for seniors are listed below. Through these carriers is how we guarantee our clients a 90% approval rating for immediate coverage.

These are elite A-rated carriers nationwide that have solid reputations with over 100 years in business.

Companies That Provide a 10 Year Term Policy at 79 Years Old

The companies listed below are the best life insurance companies for a 10 year term policy. If you believe this is the best option for you these are the best companies to apply with.

  • Foresters
  • Mutual of Omaha
  • Transamerica
  • Pacific Life
  • Corebridge
  • Protective Life
  • Ameritas

Companies That Provide Universal Life Plans for 79 Year Old’s

  • Protective
  • North American Life Insurance Company
  • Corebridge
  • Legal & General
  • American National

Cost of Final Expense Life Insurance at Age 79

Below is a detailed chart for our top carrier Mutual of Omaha providing example pricing for burial insurance between the ages of 70 – 79. You will see the average cost of life insurance at age 79 there are 2 sections one for burial and life insurance for male age 79 as well as burial and life insurance for female age 79.

Age$10,000 Male Non Smoker Sample Quotes$10,000 Male Smoker Sample Quotes$10,000 Female Non Smoker Sample Quotes$10,000 Female Smoker Sample Quotes


Do not wait any longer to get burial insurance to protect your family. This is about providing peace of mind to them so they are not stuck with a big bill while grieving your loss at the same time. At your current age this is your best option and every year you wait the premiums will get higher as they increase with your age.

Take action now and fill out the form to your right to see pricing on carriers and get with one of our agents. They will have you taken care of in 30 minutes or less the process is simple and quick.

Check this off of your to-do list.