Supplemental Plans — Life Insurance
Life Insurance: Protecting the People Who Count on You, at Any Age
Whether you’re planning for final expenses, want to leave something behind for family, or never got around to a policy earlier in life, life insurance can still make sense at 65 and beyond. As an independent agency, we compare plans from multiple carriers to find one that fits your needs and your budget, at no cost to you.
Get My Free Life Insurance ConsultationLife insurance basics
What Does a Life Insurance Policy Do?
Life insurance pays a death benefit to the people or causes you choose, helping cover costs and provide financial support after you’re gone. For people at or near Medicare age, life insurance is often less about income replacement and more about covering final expenses, leaving a gift for family, or simply having something already in place instead of leaving it to chance.
This is general product education. Specific benefit amounts, premiums, and eligibility requirements vary by policy, carrier, age, and health. This page does not describe the details of any single policy.
Common Types of Life Insurance for This Life Stage
- Final expense (burial) insurance — A smaller policy designed to cover funeral costs, medical bills, or other final expenses, often with simplified or guaranteed acceptance underwriting
- Whole life insurance — Permanent coverage that lasts your lifetime, as long as premiums are paid, often with a level premium and a cash value component
- Term life insurance — Coverage for a set period, which can still be available depending on your age and health
What Life Insurance May Help Cover
- Funeral and burial costs
- Outstanding medical bills or other debts
- A financial gift or inheritance for children or grandchildren
- Costs a spouse or family member might otherwise absorb alone
Around Medicare age
A Natural Time to Revisit Life Insurance
Turning 65 or retiring often brings other financial decisions into focus at the same time, which makes it a natural point to also think about life insurance, even if you’ve never had a policy, let one lapse, or are simply reviewing what you already have.
If you’re retiring
Any life insurance through a former employer often ends or reduces significantly at retirement, which can leave a gap worth addressing.
If you never purchased a policy
Final expense and other simplified-underwriting policies are often designed with this life stage in mind, without requiring a medical exam.
If you want to ease the burden on family
A policy sized to cover final expenses means loved ones aren’t left covering those costs during an already difficult time.
If you’re already comparing Medicare plans
It’s a convenient time to have one conversation that covers both your health coverage and any remaining life insurance needs.
Life insurance is not a Medicare plan and is not connected with or endorsed by the U.S. government or the federal Medicare program. Approval, premiums, and coverage amounts depend on the specific policy, carrier, and underwriting requirements.
Who this is for
Is Life Insurance Right for You?
- You want to cover final expenses — So funeral and burial costs don’t fall to your family
- You never got around to a policy — It’s not too late to look into options designed for this age group
- You want to leave a gift behind — For children, grandchildren, or a cause that matters to you
- You’re not yet Medicare-eligible — Under-65 individuals and families remain a core audience for life insurance planning as well
Why call Lifelong Insurance Agency
Finding a Policy That Fits Your Age and Health
Life insurance options and pricing can look very different depending on your age and health history. Comparing carriers matters here just as much as it does with Medicare, since one company’s underwriting may fit your situation far better than another’s.
Independent, not captive
We compare life insurance policies across multiple carriers, not just one.
No cost to you
Our guidance is always free, with no obligation to enroll.
Plain-language explanations
We’ll walk you through policy types and what fits your situation without the jargon.
One agency for the whole picture
We can talk through life insurance alongside your Medicare coverage, in the same conversation.
Carriers we represent
Backed by Trusted, Well-Known Insurance Companies
Because we’re independent, we’re able to compare plans from multiple reputable carriers, including:
…and other regional and national carriers, depending on your state
Carrier availability varies by state and plan type. This is not a complete list of every company we represent.
What clients say
Real feedback from people we’ve helped
Ready to Put a Plan in Place?
Whether you’re covering final expenses, leaving something behind for family, or want to protect your family if something happens to you, we’ll help you compare life insurance options that fit your age, health, and budget, with no cost or obligation.
Life insurance policies are underwritten and issued by the carrier, not by Lifelong Insurance Agency. Premiums, benefit amounts, exclusions, and eligibility vary by policy, carrier, age, and health, and are described in the policy itself. This plan is not connected with or endorsed by the U.S. government or the federal Medicare program.