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Term Life Insurance

What is the maximum age to buy term life insurance?

Most carriers stop offering new term life insurance applications somewhere between age 75 and 80, though the exact cutoff and available term lengths vary by company.

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Older applicants are often limited to shorter term lengths, such as a 10-year term, since longer terms become harder for insurers to price affordably at advanced ages.

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If you're near or past this age range, permanent policies like whole life or final expense insurance are often more readily available and may be a more practical fit.

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