Below are whole life insurance rates for non-smoker males ages 80 to 85 for a $10,000 policy
80 year old male non-smoker rate120.85 per month
81 year old male non-smoker rate 124.45 per month
82 year old male non-smoker rate 128.15 per month
83 year old male non-smoker rate 130.85 per month
84 year old male non-smoker rate 133.65 per month
85 year old male non-smoker rate 141.15 per month
Below are whole life insurance rates for non-smoker females ages 80 to 85 for a $10,000 policy
80 year old female non-smoker rate 91.65 per month
81 year old female non-smoker rate 95.15 per month
82 year old female non-smoker rate 98.65 per month
83 year old female non-smoker rate 98.85 per month
84 year old female non-smoker rate 105.15 per month
85 year old female non-smoker rate 111.95 per month
Below are whole life insurance rates for smoker males ages 80 to 85 for a $10,000 policy
80 year old male smoker rate 139.07 per month
81 year old male smoker rate 195.15 per month
82 year old male smoker rate 200.35 per month
83 year old male smoker rate 202.75 per month
84 year old male smoker rate 205.05 per month
85 year old male smoker rate 218.95 per month
Below are whole life insurance rates for smoker females ages 80 to 85 for a $10,000 policy
80 year old female smoker rate 117.12 per month
81 year old female smoker rate 134.95 per month
82 year old female smoker rate 139.65 per month
83 year old female smoker rate 143.15 per month
84 year old female smoker rate 146.48 per month
85 year old female smoker rate 162.65 per month
You are NOT required to take a physical exam in order to qualify for one of these whole life policies. All you have to do is be able to truthfully and accurately answer no to all of the medical questions on the application. The questions vary between different companies, but below are the questions from one of the products that we sell the most due to their very competitive rates.
1. Height and weight – max weight depends on your height.
2. Do you need assistance with the normal activities of daily living (eating, bathing, dressing, taking medications, etc.), or are you currently hospitalized, confined to a bed or nursing facility, or receiving hospice care?
3. Within the past 12 months have you
a. Been medically diagnosed with internal cancer, leukemia, lymphoma, or melanoma or have had more than one occurence of any cancer in your life time (excluding basal or Squamous cell skin cancer), had a recurrence of any cancer, or currently being treated for cancer or had an amputation caused by any disease or cancer?
b. Been medically diagnosed, treated, or taken medication for stroke or transient ischemic attack (TIA/mini-stroke)?
4. Within the past 24 months have you
a. Been medically diagnosed, treated or taken medication for cirrhosis, liver disease, angina, chronic obstructive pulmonary or lung disease (COPD/COLD), emphysema, chronic bronchitis, required oxygen to assist in breathing, or uncontrolled high blood pressure?
b. Been medically diagnosed as having, been treated for or hospitalized for heart disease, Hodgkin’s Disease, heart attack, heart or circulatory vascular surgery (including coronary artery bypass, pacemaker, or replacement pacemaker, heart valve replacement, abdominal aortic aneurysm, but excluding angioplasty or stent placement) cardiomyopathy, or any procedure to improve circulation to the heart or brain?
5. Within the past 36 months have you
a. been convicted of a felony or are you currently incarcerated or on probation, been diagnosed or treated by a licensed member of the medical profession for alcohol or any drugs of abuse, attempted suicide, or been convicted of operating a vehicle while intoxicated or impaired?
6. Have you ever
a. Been medically treated for insulin shock, diabetic coma, or have you taken insulin injections or by other methods prior to age 40?
b. Tested positive for exposure to the HIV infection or been diagnosed as having ARC or AIDS caused by the HIV infection or other sickness or condition derived from such infection?
c. Had, or been medically diagnosed, treated, or taken medication for chronic kidney disease (including dialysis, kidney or liver failure, congestive heart failure, Alzheimer’s, dementia, Lou Gehrig’s disease (ALS), schizophrenia, bipolar disorder, or mental incapacity?
7. Within the past 24 months have you been medically diagnosed, treated, or taken medication for
a. Lymphoma, melanoma, leukemia or any internal cancer?
b. Stroke, or transient ischemic attack (TIA/mini-stroke)?
c. Neuromuscular or brain disease (including cerebral palsy, muscular dystrophy, multiple sclerosis, grand mal epilepsy, cystic fibrosis or Parkinson’s disease or systemic lupus (SLE)?
d. Paralysis of two or more extremities or amputation caused by disease or cancer?
e. Angioplasty or stent placement?
8. Within the past 24 months, have you been confined three times or more to a hospital, nursing facility, convalescent care facility, assisted living facility, mental facility, or hospice care?
9. If you are 65 and under, do you have a physical or mental reason or any health reason that would prevent you from working for at least 25 hours per week in an active, normal, and gainful employment?