Guaranteed Issue Life Insurance Over 80
Yes — new policies still issue at 80 to 85, with no health questions and acceptance guaranteed. Below are the carriers' own published rates for $10,000 of coverage, side by side.
Published rates at 80–85, carrier by carrier
Monthly premium for $10,000 of guaranteed acceptance whole life. Lowest published rate at each row in gold. Most carriers stop issuing at 80 — after that, the market narrows to a handful.
| Age | Mutual of Omaha | AARP/NYL | Gerber | Corebridge | Colonial Penn* | Great Western |
|---|---|---|---|---|---|---|
| 80 · F | $126.90 | $112.00 | $176.37 | $206.42 | $163.65 | $190.42 |
| 80 · M | $157.10 | $144.00 | $247.32 | $224.71 | $233.57 | $227.92 |
| 81 · F | $136.00 | — | — | — | $172.15 | — |
| 81 · M | $167.30 | — | — | — | $234.67 | — |
| 82 · F | $145.20 | — | — | — | $181.24 | — |
| 82 · M | $177.70 | — | — | — | $235.22 | — |
| 83 · F | $149.40 | — | — | — | $190.98 | — |
| 83 · M | $182.70 | — | — | — | $236.34 | — |
| 85 · F | $157.70 | — | — | — | $212.61 | — |
| 85 · M | $192.70 | — | — | — | $238.04 | — |
What to know before buying at this age
The spread is at its widest. At 80, the same $10,000 ranges from $126.90 to $206.42 a month for a woman — comparing carriers matters more now than at any younger age. The two-year graded period counts from issue: a policy bought at 81 pays its full benefit from 83 on (accidents covered in full from day one) — how the graded benefit works. If you can answer a short health questionnaire, simplified issue is still available into the early 80s and undercuts every number above — check that door first. And if you already own any whole-life policy, keep it; nothing purchasable at this age beats a locked older rate.
Sizing it honestly
At these premiums, right-sizing is everything: a realistic funeral runs $2,400–$8,000+ depending on choices (our funeral-cost comparison has the real numbers). $5,000–$10,000 covers most plans; be skeptical of both tiny TV minimums and $25,000 policies at $400+/month.
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Get my free quote →Rates shown are for $10,000 of guaranteed acceptance whole life coverage, transcribed July 2026 from publicly published carrier rate documents (carrier-hosted PDFs, official rate cards, and licensed-agency republications — full sourcing in our carrier comparison study). *Colonial Penn is sold in $9.95 units; its figure is the cost of assembling ~$10,000 at that age's published per-unit coverage. Informational comparison only — not a quote, rate guarantee, or offer of insurance; rates vary by state and change over time. All products carry a ~2-year graded death benefit. We are an independent matching service, not affiliated with or endorsed by any carrier listed.