Life Insurance for Every Stage of Life

Coverage that helps protect what matters—at every age.

Whether you're planning for a young family, paying off a mortgage, approaching retirement, or thinking about legacy planning—life insurance plays a role at every age. At BCI Insured, we provide free, independent support to help you find the right life insurance based on where you are in life now—and where you’re going next.

Why People Choose Life Insurance at Different Ages

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20s-40s:

  • Replace income for your family if something happens
  • Pay off debts like student loans or a mortgage
  • Lock in low premiums while you're healthy
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50s-60s:

  • Cover final expenses and medical bills
  • Build permanent coverage with cash value
  • Ensure loved ones can maintain their lifestyle
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65+:

  • Prepare for burial or cremation costs
  • Leave a legacy for children or grandchildren
  • Handle outstanding medical or long-term care bills
  • Provide for a spouse or dependent

Whatever your reason, we’ll walk you through the options clearly—so you feel confident in your choice.

What Kind of Life Insurance Is Available?

The right coverage depends on your age, goals, and health. Common options include:

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Final Expense Insurance 

Designed to help cover burial, cremation, and small end-of-life expenses. Often used by older adults or those seeking a simple policy.

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Guaranteed Issue Policies

Available without a medical exam. Often ideal for individuals with existing health conditions.

A family with two parents and two children, with a health cross symbol above them.

Term Life Insurance

Affordable, temporary coverage that lasts for a set number of years. Often used to cover income or debt during your working years.

Family symbol: adult male, adult female, child.

Whole Life Insurance

Permanent coverage that can build cash value over time. Used for lifelong protection or estate planning.

We'll help you understand the tradeoffs between each type—no pressure, no confusion.

What If I Have Health Issues or I'm Over 70?

You may still have options, even if:

  • You've had a past diagnosis
  • You're taking regular medication
  • You've been declined before

We work with multiple carriers—some more flexible than others—and we’ll help you identify the ones that fit your needs, no matter your age or health history.

What to Expect When Applying

Depending on the policy, applying may involve:

  • A short health questionnaire
  • No medical exam at all
  • Fast approval (in days or weeks)

Our job is to make the process simple—we’ll explain how it works, help you compare options, and support you every step of the way.

FAQs About Senior Life Insurance

  • Can I still get life insurance at 75 or older?

    Yes. We specialize in helping seniors 75+ explore their options. Final expense and guaranteed issue plans are commonly available at this age.

  • How much coverage should I get?

    It depends on your goals—whether you're looking to replace income, cover debts, or leave a gift. We'll help you decide based on your situation.

  • Do I need a medical exam?

    Not always. Many plans offer simplified underwriting or no exam at all.

  • Is life insurance expensive if I'm older?

    Some plans cost more with age, but there are still affordable options, especially for smaller coverage amounts.

Let’s Find the Right Plan—Together

You deserve life insurance advice that’s clear, compassionate, and tailored to your needs. We’ll help you compare your options, apply confidently, and feel good about your choice.

Have a question?

Contact us today