Best Life Insurance for 68-Year-Olds in Nebraska (No Medical Exam Options)

Best Life Insurance for 68-Year-Olds in Nebraska (No Medical Exam Options)

Finding life insurance at age 68 may feel difficult, but many companies still offer excellent coverage options—especially policies that do not require a medical exam. For Nebraska residents, there are several solutions that make getting approved easier and faster.

Whether you’re protecting family, covering final expenses, or leaving a legacy, understanding the options available at age 68 can help you make a confident decision.

Can You Still Get Life Insurance at Age 68?

Yes. Age 68 is still well within the eligibility range for many insurers.

Most companies offer coverage up to ages 75, 80, or even 85, depending on the policy type. In Nebraska, many seniors choose policies designed specifically for retirement years.

Common reasons people buy life insurance at 68 include:

Covering funeral and burial expenses

Leaving money to children or grandchildren

Paying off remaining debts

Protecting a spouse’s financial security

Estate planning or legacy giving

Many policies today allow you to apply without a medical exam, which speeds up the process significantly.

No Medical Exam Life Insurance Options in Nebraska

Several types of policies allow approval without a physical exam.

Simplified Issue Life Insurance

This is one of the most popular options for people in their late 60s.

Features:

No medical exam

Short health questionnaire

Approval often within days

Coverage amounts typically $25,000 to $500,000

This option works well for healthy individuals who want quick approval.

Guaranteed Issue Life Insurance

If you have health issues, guaranteed issue may still allow coverage.

Features:

No exam

No health questions

Guaranteed approval

Smaller coverage amounts (usually up to $25,000)

These policies are often used to cover final expenses.

Term Life Insurance for Age 68

Some insurers still offer 10-year or 15-year term policies at age 68.

Benefits:

Larger coverage amounts

Lower monthly premiums than permanent insurance

Ideal for protecting a spouse or covering a mortgage

Approval may require answering health questions but often no exam is required with certain carriers.

Average Cost of Life Insurance for a 68-Year-Old

Costs depend on health, gender, and coverage amount, but typical ranges look like this:

Approximate monthly estimates:

$25,000 coverage
$40 – $90 per month

$100,000 coverage
$120 – $220 per month

$250,000 coverage
$250 – $450 per month

Non-smokers in good health generally qualify for the lowest rates.

Best Types of Life Insurance for Seniors in Nebraska

At age 68, the most common policies include:

Final Expense Insurance

Designed to cover funeral costs and small debts.

Simplified Issue Whole Life

Permanent coverage with predictable premiums.

Short-Term Term Life

Helps protect a spouse or cover remaining obligations.

Each option depends on your financial goals and health situation.

Why Many Seniors Choose No-Exam Policies

No-exam life insurance has become extremely popular among retirees because it removes the stress of medical testing.

Advantages include:

Faster approval

Less paperwork

No doctor visits

Convenient online applications

Coverage often starting within days

For many Nebraska residents, this is the easiest way to secure protection later in life.

How to Qualify More Easily

Insurance companies consider several factors when reviewing applications at age 68:

Health history
Medications
Smoking status
Weight and lifestyle
Financial justification for coverage

Being honest and working with an experienced advisor can help match you with companies that approve applicants in your situation.

Nebraska Residents: What Makes Approval Easier

Nebraska applicants often benefit from:

Stable retirement income

Lower cost of living

Lower overall claim risk compared with some regions

Because of this, many national insurers actively offer coverage in the state.

When Should You Buy Life Insurance?

Waiting can make coverage more expensive or reduce available options.

Buying sooner can help you:

Lock in lower premiums

Secure approval while health is stable

Protect loved ones sooner

Even waiting one or two years can change eligibility for certain plans.

Get Help Finding the Right Policy

At Mintco Financial, we help individuals and families explore life insurance options designed for their stage of life. If you’re 68 and considering coverage, we can help you compare companies and policies that offer simple approval and competitive rates.

Life insurance at age 68 is more accessible than many people expect. With modern no-exam options, Nebraska residents can often secure coverage quickly and affordably.

The key is choosing the policy type that fits your goals—whether that’s protecting family, covering final expenses, or leaving a financial legacy.

If you’re considering coverage, exploring your options now can help ensure peace of mind for the years ahead.