Burial & Life Insurance At 77 Year’s Old Your Options

The life insurance options for a 77 year old are Term, Universal & Final Expense Life Insurance. A 77 year old can get a 10 year term policy with 7 different life insurance companies to choose from. You can also get a 15 year term policy with 1 company, Transamerica if you are 77 years old. Now you can choose over 5 companies for a Universal Whole Life policy at 77 years old.

Term & Universal life policies are going to require you to take a medical exam because of your age. There is not getting around it if that is the type of coverage you are looking for. Now Final expense life insurance does not require any medical exams for you at age 77. You simply answer health questions and consent to a medical & prescription history check.

Final expense policies are immediate approval which means if everything checks out on your medical & prescription checks you policy will be issued instantly and you are covered. Those are all the types of life insurance a 77 year old can get.

Life Insurance Age 77 Option’s

At age 77 your options are very limited for life insurance. The reason for this is because as we get older we get closer to death. This means many life insurance companies will not share the risk for insuring a 77 year old.

Term Life

The longest term length you will get for a term life insurance policy is 15 years. This means you only have life insurance for 15 years until it expires. By that time you will be 92 years old and have no options for final expense insurance because no companies cover over age 90.

That is why we do not recommend term insurance for a 77 year old.

Medical Exam & APS Records for Term Life Policies

In addition to the low length of time you will have coverage, term life requires a medical exam. At your age the life insurance company will want a physical exam and APS(Attending Physician Statement) records. If you have health conditions or a history of health conditions this will result in your premium rate increasing or being denied coverage altogether.

Universal Life

There is 5 options available for universal life insurance for a 77 year old. That being said they can be extremely difficult to qualify for at your age. You most likely have health conditions that may disqualify you from getting this type of coverage.

Underwriting for these types of plans is very strict.

Medical Exam & APS Records for Universal Life Policies

Universal life is going to do a physical exam with you and acquire an APS from your doctor. Based on the results of those tests you will be approved or denied. Now as we mentioned the only carrier available to you is Protective. If you are in extremely optimal health you can try applying but in our 10 plus years of experience we have never seen a 77 year old get approved.

Final Expense

Final expense insurance is the best life insurance option for a 77 year old because of the simplified underwriting. There are over 10 life insurance companies to choose from for final expense insurance at your age.

No Medical Exam

Funeral insurance is simplified issue whole life insurance. This means there are no medical exams or APS records required. The life insurance company will only ask health questions and look at your medical and prescription history. Based on your answers to the health questions along with the health and prescription history you will be approved or denied.

Qualifying for Burial and Life Insurance Age 77

Burial or funeral insurance are simplified issue policies that offer coverage to seniors. This means there are no medical exams and you can get instant approval right over the phone within 30 minutes or less with our agents.

How the Process Works

The first thing to do is fill out the form to your right. At that point, you will see pricing on the amount of coverage you want and will receive a call from one of our agents. Our agent will then ask you comprehensive health questions to prequalify you. Once the agent knows which carrier fits you best depending on your health issues the next step is to apply.

You can apply via voice signature or e-mail signature depending on which company your agent recommends. Then you answer the health questions for the carrier with a yes or no. The carrier then looks at your MIB and prescriptions to see if your health and prescription history lines up with your answers.

If everything checks out you are approved for coverage.

What if I am very Unhealthy?

With severe health conditions like dementia, HIV, or cancer you can still get a guaranteed issue life insurance policy. This has a 2-year waiting period but no one can be denied and our carrier offers living benefits with the plan. So if you become terminally ill you can withdraw a portion of your policy’s face amount to help offset costs your health insurance may not cover.

In addition to this, there are accidental death benefits that will payout if you die from an accident despite the 2-year waiting period.


Below is a table outlining the eligibility requirements for final expense insurance.

Eligibility RequirementDescription
Age & Date of BirthYour current age determines your eligibility with different policies. If you are older than age 85 for example a majority of life insurance companies will not offer you burial insurance.
Height & WeightYou current heigh and weight affect your eligibility with some life insurance companies because high risk health conditions are directly linked to obesity.
Resident StateYour resident state determines which plans are available to you. Some life insurance companies may not have their policies available in your state.
Current & Past Health HistoryYour health determines your eligibility for burial insurance. If you hav extreme current or a past history of health conditions such as cancer you are considered high risk and many life insurance companies may not accept you.
US CitizenshipYou must be a US citizen or permanent resident to buy burial insurance in the United States. If you are a citizen of a different country you are not eligible.
Current MedicationsYour current medications indicate to the life insurance company how your health is. This is how they can categorize you as a high risk applicant or not.
Criminal HistoryA criminal history indicates if you are a high risk. If you have an extensive criminal record life insurance companies will not accept you.

Burial and Life Insurance Benefits

These plans have several important benefits.

  • A Rate Lock- Premiums Never Increase
  • Level Death Benefit-Death Benefit Never Decreases
  • Tax-Free Death Benefit- No tax on the Death Benefits to your Beneficiary

Best Burial Insurance Companies Age 77

These are the top A-rated companies nationwide that we work with. They are the best final expense companies available to seniors.

Best Term Life Companies for 77 Year Old’s

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

Best Universal Life Companies for Age 77

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

Burial Insurance Cost at Age 77 Samples

Below are sample quotes for our best carriers Mutual of Omaha, American Amicable and much more. These final expense life insurance for age 77 quotes come directly from our quoting technology which gives the most accurate up to date quotes for whole life insurance at age 77 and above. Funeral insurance for seniors age 77 is very affordable and our goal is to help you secure the best rate for your individual health.

These sample burial insurance quotes should give you an accurate idea of how much final expense life insurance at age 77 will cost to help you plan better.

Burial Insurance 77 Year Old Male & Female Costs
Age$10,000 Male Non Smoker$10,000 Male Smoker$10,000 Female Non Smoker$10,000 Female Smoker


Can a 77 Year old get Life Insurance?

Yes, a 77 year old can get final expense life insurance to pay their end of life expneses.