It is not too late. Canadian insurers offer life insurance for seniors well into your 70s and, for some products, up to age 85. The question is not whether you can get coverage, but which type fits what you want it to do: pay for a funeral, leave something to your children, clear a debt, or protect a spouse.
With ClicAssure.com, one short form gets you quotes from 20+ Canadian insurers. A licensed advisor in your province walks you through the options, free and with no obligation.
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Your age, your health, whether you smoke, the amount of coverage and the type of policy. Two insurers can quote very different prices for the same senior, which is why comparing matters more after 60 than at any other age.
Yes. Most Canadian insurers issue term or whole life policies up to age 75 or 80, and guaranteed issue policies are available up to 80, sometimes 85. Options narrow and prices rise with age, so it pays to compare several insurers.
Not always. Simplified issue policies ask a few health questions with no exam, and guaranteed issue policies ask none at all. Fully underwritten policies with an exam usually cost less per dollar of coverage if you are in good health.
Enough for what you want it to do. Final expenses in Canada often run from $10,000 to $25,000; add any debts you want cleared and any amount you want to leave. An advisor helps you size it without overpaying.
It costs more than at 40, but a smaller amount of whole life or a term to age 80 is often more affordable than people expect. The biggest savings come from comparing insurers, because their pricing for seniors varies widely.
A small whole life policy, typically $5,000 to $50,000, meant to cover a funeral and last bills. Premiums are fixed for life and many versions require no medical exam.
Fill out one short form on ClicAssure.com. You receive quotes from Canadian insurers, and a licensed advisor in your province calls you back to explain them. Free, no obligation.
