An 83-Year-Old Approved for Whole Life — And at a Preferred Rate

Getting approved for whole life insurance at 83 years old is extremely rare. At that age, many carriers either decline coverage or offer only limited options with higher premiums.

That’s why this case stands out.

With our non-medical underwriting process, which requires no exams and no lab work — just a simple script (prescription) check, this client was reviewed and approved efficiently. Even more impressive, the underwriting determined he qualified as a Preferred candidate.

Preferred status means lower risk in the eyes of the insurance company, which directly translates to a lower monthly premium — something most people don’t expect at this age.

This approval shows that age alone does not tell the whole story. Health history, medication use, and overall stability matter, and the right process can make all the difference.

Whole life insurance can still be an option later in life — and in some cases, a very affordable one. If you or a loved one think coverage is out of reach, it may be worth taking a second look.