Practical, permanent coverage for ages 80–89—keep final expenses handled, support a spouse, or leave a small legacy.
We shop multiple A-rated carriers for Tampa residents and simplify approval with no-exam or guaranteed-issue paths when needed.
- Final expenses covered: Provide funds for service, burial/cremation, and small medical balances.
- Spousal cushion: Replace part of a lost Social Security check or pension option.
- Modest legacy: Leave a gift for children, grandchildren, or church/charity.
Best-Fit Coverage Paths at 80–89
Final Expense Whole Life (Simplified Issue)
Popular and straightforward for over-80s. Level premiums, lifetime coverage, and typically a brief health questionnaire—no medical exam in most cases. Common amounts: $10,000–$25,000 (sometimes higher).
Guaranteed-Issue Whole Life
When health history is complex, this route approves everyone—no questions asked. Expect a two-year graded period for non-accidental death (premiums plus interest are usually returned); accidental death is typically covered from day one.
Guaranteed Universal Life (GUL) / Whole Life
For seniors who want lifetime guarantees beyond final expenses. If available at your age/health, GUL can lock in permanent coverage with predictable premiums; whole life can add cash-value features.
Illustrative Ranges (Not Quotes)
- Age 80–83: Many Tampa clients select $12k–$20k final expense to keep premiums manageable.
- Age 84–89: Right-sizing to $10k–$15k is common; guaranteed-issue becomes more relevant if health has changed.
- Spousal support: Some choose a higher permanent amount (e.g., $25k–$50k) to cushion income gaps.
Your price depends on age, health, prescriptions, tobacco status, coverage amount, and underwriting class. We compare multiple carriers to find an appropriate fit.
Approval Paths in Plain English
- Simplified issue: short health Q&A, no medical exam, quick decisions.
- Guaranteed-issue: no health questions; includes a two-year graded period for non-accidental death.
- Full underwriting (optional): a short exam/labs can help if you’re unusually healthy and want a larger benefit.
Local Focus: Tampa Bay & Nearby
We serve Carrollwood, Lutz, Westchase, New Tampa, Brandon, Riverview, and the broader Tampa–St. Pete–Clearwater area via phone or virtual meeting—so you can compare options from home.
How to Get Covered—Three Easy Steps
- Compare: We pull rates and features from multiple A-rated carriers.
- Clarify: 10–15 minutes by phone to choose amount, riders, and budget.
- Apply: Quick e-application; many approvals return the same day or within a few days.
Tampa Over-80: Frequently Asked Questions
Can I still get life insurance at 85 in Tampa?
Often, yes. Some carriers issue into the early 80s, and guaranteed-issue remains available when health is the blocker—just note the two-year graded period for non-accidental death.
Do I need a medical exam?
Not usually. Most over-80 applicants use simplified-issue (health questions, no exam) or guaranteed-issue (no questions). Exception: if you want a larger permanent amount and are very healthy, a short exam may help pricing.
How much coverage do most Tampa seniors over 80 buy?
Final expense amounts of $10k–$20k are common. Some choose more (e.g., $25k–$50k) to help a spouse or leave a gift.
What is a “graded” benefit period?
With many guaranteed-issue policies, non-accidental deaths during the first 24 months typically refund premiums paid (often with interest). Accidental deaths are generally paid in full from day one. Exact terms vary by carrier.
How quickly can my policy start?
Once we submit your e-application, approvals for simplified or guaranteed-issue coverage can be very fast—sometimes the same day.
Not an offer of coverage. Availability and features depend on carrier and Florida regulations. Premiums and benefits vary by applicant.