Greatest Life Insurance coverage Corporations for Individuals Over 50

Greatest General, Greatest for Dwelling Advantages, Greatest for Remaining Expense Insurance coverage: Nationwide
Greatest for Complete Life Insurance coverage: Lafayette
Greatest for Time period Life Insurance coverage: Protecting
Greatest for Monetary Stability: State Farm
Greatest for No-Medical-Examination Life Insurance coverage: Penn Mutual
Greatest for Low-cost Time period, Greatest for Seniors: Thrivent
Greatest for Dividends: MassMutual

Examine life insurance coverage quotes with our associate Covr Monetary from a number of suppliers earlier than shopping for.

Greatest Life Insurance coverage Corporations for Individuals Over 50 Increase Greatest Life Insurance coverage Corporations for Individuals Over 50

Our High Picks
Nationwide
Lafayette
Protecting
State Farm
Penn Mutual
Thrivent
MassMutual
See Extra (4)
Why Belief Us
Why Ought to Individuals Over 50 Think about Getting Life Insurance coverage?
Forms of Life Insurance coverage For Individuals Over 50
Professionals & Cons of Life Insurance coverage for Individuals Over 50
Methodology

Greatest General, Greatest for Dwelling Advantages, Greatest for Remaining Expense Insurance coverage : Nationwide

Monetary Energy Score: A+
Criticism charge: A lot better than anticipated for firm measurement

Get a Quote Why We Selected It

Greatest General

Nationwide is a good life insurance coverage firm for individuals of their 50s for most of the identical causes it tops our general checklist of the perfect life insurance coverage corporations. It’s financially sturdy, garners comparatively few buyer complaints, and presents essentially the most coverage varieties of all the businesses Investopedia researched. It has one of many greatest alternatives of riders, too. Plus, you should purchase as much as $1.5 million of protection and not using a medical examination and get an on the spot choice.

Greatest for Dwelling Advantages

Nationwide contains three dwelling advantages riders totally free with many insurance policies. These riders, often known as accelerated dying advantages, allow you to use your dying profit when you’re alive for those who develop a terminal, continual, or important sickness. It’s also possible to add a long-term-care rider. You need to pay for that, however many rivals don’t even provide such a rider, and none embody it totally free.

Greatest for Remaining Expense Insurance coverage

Nationwide presents closing expense insurance coverage with as much as $50,000 in protection. Most different corporations Investopedia researched restrict closing expense protection to $35,000 or much less.

Professionals & Cons Professionals

Excellent collection of product sorts and riders
Superior monetary power ranking (A+)
3 dwelling advantages included in lots of insurance policies
Only a few buyer complaints to state regulators
Excessive most protection restrict for closing expense insurance coverage

Cons

No on-line claims or reside chat
Complete life insurance coverage doesn’t pay dividends
Males over 49 and ladies over 54 can’t get a 30-year time period coverage

Overview

Nationwide is a good all-around insurer for individuals over 50. It’s rated A+ for monetary power by AM Greatest, indicating a “superior” capability to fulfill ongoing monetary obligations. It obtained far fewer complaints to state regulators than anticipated for its measurement, in response to the Nationwide Affiliation of Insurance coverage Commissioners (NAIC) Criticism Index. And Nationwide got here in No. 5 in J.D. Energy’s 2024 survey of buyer satisfaction amongst life insurance coverage corporations.

Just a few of Nationwide’s benefits make it notably good for brand new candidates over 50, together with massive protection limits for instant-decision no-medical examination insurance policies and for closing expense insurance coverage (additionally known as burial or funeral insurance coverage).

Nonetheless, there are some downsides. You aren’t eligible to purchase a 30-year time period coverage for those who’re a person age 50-plus or a lady age 55-plus. And nobody over 70 can apply for any sort of time period insurance coverage. Complete life insurance coverage policyholders at Nationwide will not be eligible for dividends. And there’s no means for beneficiaries to begin a declare on-line.

Nationwide was based in 1925 and is predicated in Columbus, Ohio.

Coverage Sorts & Riders

Out there Coverage Sorts

Time period life
Complete life
Remaining expense
Youngsters’s entire life
Common life
Listed common life
Variable common life
No-medical-exam life

Out there Riders

Time period conversion
Youngster time period
Assured insurability
Waiver of premium
Unintentional dying profit
Terminal sickness
Lengthy-term care
Continual sickness
Important sickness

Greatest for Complete Life Insurance coverage : Lafayette

Monetary Energy Score: A+
Criticism charge: A lot better than anticipated for firm measurement

Get a Quote Why We Selected It

Lafayette is the winner of our general finest entire life insurance coverage checklist and the highest entire life supplier for individuals on this age group. It presents seven varieties of entire life insurance coverage insurance policies with expansive protection limits, together with one closing expense coverage. You additionally obtain three accelerated dying advantages for no additional price.

Professionals & Cons Professionals

Presents many varieties of entire life insurance policies with excessive protection limits
Obtained fewer buyer complaints than anticipated, given its measurement
Consists of dwelling advantages riders on some insurance policies

Cons

No on-line quotes or functions
No reside chat
Doesn’t function in New York State

Overview

With seven varieties of entire life insurance coverage, Lafayette presents insurance policies to suit all kinds of wants. They embody primary dividend-paying entire life and kids’s entire life with no protection limits, in addition to closing expense entire life insurance coverage with a beneficiant $50,000 protection most. Three dwelling advantages riders, included totally free with some entire life insurance policies, defend you for those who develop a critical sickness. You may get accepted on the identical day you apply for no-exam life insurance coverage with a dying profit as massive as $100,000.

However for those who reside in New York state, you may’t purchase life insurance coverage from Lafayette. Investopedia additionally discovered the corporate’s on-line interface missing. You’ll be able to’t get a quote, apply for a coverage, or chat with a reside particular person by the web site.

Lafayette is predicated in Cincinnati and has been in enterprise since 1905.

Coverage Sorts & Riders

Out there Coverage Sorts

Time period life
Complete life
Dividend-paying entire life
Remaining expense
Youngsters’s entire life

Out there Riders

Time period conversion
Youngster time period
Assured insurability
Waiver of premium
Unintentional dying profit
Terminal sickness
Continual sickness
Important sickness

Greatest for Time period Life Insurance coverage : Protecting

Monetary Energy Score: A+
Criticism charge: Higher than anticipated for firm measurement

Get a Quote Why We Selected It

Protecting has among the lowest premiums for time period life insurance coverage for 55- and 65-year-olds in Investopedia’s research. It points insurance policies to candidates as much as age 80, with phrases so long as 35 years for 50-year-olds.

Professionals & Cons Professionals

Inexpensive time period premiums for individuals over 50
35-year phrases for 50-year-olds
No max protection for time period life
Low buyer grievance stage relative to its measurement
Presents on-line quotes and utility

Cons

No closing expense insurance coverage
No reside chat

Overview

Protecting has among the finest costs for time period life insurance coverage for older adults in Investopedia’s evaluation. Solely Corebridge quoted decrease costs for 55-year-olds. It additionally imposes no protection restrict for its time period insurance coverage, not like most of the 45 corporations Investopedia studied.

You’ll be able to select from time period lengths of 10, 15, 20, 25, 30, or 35 years. Protecting additionally has 40-year insurance policies, however you should be 45 or below. Candidates as much as age 60 can qualify for as much as $1 million in braveness with out taking a medical examination by Protecting’s accelerated underwriting program.

Whereas Protecting has an entire life insurance coverage coverage with a $1,000 minimal protection quantity, it doesn’t promote a burial insurance coverage coverage. So, for those who’re on the lookout for protection strictly for funeral bills, chances are you’ll wish to look elsewhere. Additionally, when you can apply for a coverage on-line, there’s no reside chat perform.

Protecting was based in 1907 and is predicated in Birmingham, Alabama.

Coverage Sorts & Riders

Out there Coverage Sorts

Time period life
Complete life
Common life
No-medical-exam life

Out there Riders

Assured insurability
Waiver of premium
Unintentional dying profit
Terminal sickness
Continual sickness

Greatest for Monetary Stability : State Farm

Monetary Energy Score: A++
Criticism charge: A lot better than anticipated for firm measurement

Get a Quote Why We Selected It

State Farm has an A++ monetary power grade from AM Greatest, the best ranking attainable. Solely six different insurers we reviewed obtained the identical ranking.

Professionals & Cons Professionals

Superior monetary power
Ranked No. 1 in J.D. Energy buyer satisfaction survey
Few buyer complaints, relative to its measurement
Extensive collection of coverage sorts
Presents a return-of-premium time period rider

Cons

No free riders
Low protection restrict for no-medical-exam insurance policies
No on-line claims or reside chat

Overview

State Farm’s A++ ranking from AM Greatest means it has a fair higher probability of paying its insurance coverage claims than most different insurers on this already elite checklist. State Farm has an excellent buyer satisfaction file, with an excellent NAIC grievance index and the number one rating in J.D. Energy’s 2024 life insurance coverage buyer satisfaction survey.

State Farm’s massive life insurance coverage product line contains dividend-paying entire life, survivorship life insurance coverage, and no-medical-exam time period life. It additionally presents a robust lineup of riders, together with a return-of-premium rider, which is pretty uncommon within the business.

Nonetheless, State Farm is among the few carriers among the many 45 Investopedia researched that costs for all of its dwelling advantages riders. We additionally discovered protection limits decrease than rivals’ limits for its no-medical-exam time period life and closing expense insurance policies. And it has no on-line reside chat or declare submitting options.

State Farm was based in 1929 and is headquartered in Bloomington, Illinois.

Coverage Sorts & Riders

Out there Coverage Sorts

Time period life
Complete life
Dividend-paying entire life
Youngsters’s entire life
Remaining expense
Common life
No-medical-exam life
Survivorship life

Out there Riders

Time period conversion
Youngster time period
Return of premium
Partner rider
Assured insurability
Waiver of premium
Lengthy-term care
Continual sickness

Greatest for No-Medical-Examination Life Insurance coverage : Penn Mutual

Monetary Energy Score: A+
Criticism charge: A lot better than anticipated for firm measurement

Get a Quote Why We Selected It

You should buy a no-medical-exam life insurance coverage coverage from Penn Mutual with a dying profit as massive as $10 million. That’s the best restrict for one of these coverage that Investopedia’s analysis uncovered.

Professionals & Cons Professionals

Massive protection restrict for no-medical-exam insurance policies
Among the best grievance information within the business
Presents a wide range of life insurance coverage insurance policies
Complete life insurance coverage pays dividends

Cons

Doesn’t promote closing expense insurance coverage
No on-line quotes or functions
No reside chat

Overview

Penn Mutual is a good choice if you wish to purchase life insurance coverage with out having to take a medical examination once you apply. You may get a coverage as massive as $10 million by age 65, supplied you may qualify primarily based in your revenue. That’s enormous in comparison with most rivals, who cap no-exam protection at $3 million or much less.

Given the corporate's market share, Penn Mutual receives far fewer complaints than anticipated. And for those who’re unsure what sort of life insurance coverage you need, Penn Mutual presents a big selection to select from—9 sorts, together with entire life insurance coverage with dividends.

Nonetheless, the corporate is healthier suited to individuals who need bigger insurance policies. It doesn’t promote closing expense insurance policies, and its minimal protection stage for entire life insurance coverage is $50,000. Some rivals, like Protecting and Lafayette Life, provide entire life insurance policies as small as just a few thousand {dollars}.

When it comes time to learn how a lot your protection might price, you’ll have to contact an agent. Penn Mutual doesn’t have on-line quotes or functions. There’s additionally no on-line chat with reside brokers.

Situated exterior Philadelphia, Penn Mutual has been promoting insurance coverage since 1847.

Coverage Sorts & Riders

Out there Coverage Sorts

Time period life
Complete life
Dividend-paying entire life
Youngsters’s entire life
Common life
Listed common life
Variable common life
No-medical-exam life
Survivorship life

Out there Riders

Time period conversion
Youngster time period
Partner rider
Assured insurability
Waiver of premium
Unintentional dying profit
Terminal sickness
Continual sickness

Greatest for Low-cost Time period, Greatest for Seniors : Thrivent

Monetary Energy Score: A++
Criticism charge: A lot better than anticipated for firm measurement

Get a Quote Why We Selected It

Greatest for Low-cost Time period

Thrivent’s time period life insurance coverage premiums for individuals over 50 had been the bottom Investopedia discovered when gathering quotes for 45 corporations.

Greatest for Seniors

Thrivent accepts candidates at older ages than a lot of its rivals do, which makes it a great choice for all times insurance coverage buyers age 65 and older.

Professionals & Cons Professionals

Lowest time period life premiums for individuals over 50
Excessive most subject age on many insurance policies
Strongest monetary stability ranking obtainable
Greatest NAIC grievance index of the businesses Investopedia researched

Cons

Solely Christians and their spouses can apply
Few riders obtainable
No closing expense insurance coverage
No on-line functions

Overview

Primarily based on our evaluation of time period life insurance coverage quotes from 45 insurers, Thrivent has the perfect charges for individuals over 50. It’s additionally our favourite life insurer for seniors, with increased most subject ages than some rivals. For instance, candidates as much as age 75 can apply for time period life insurance coverage, and people as much as 90 can join entire life.

As soon as on board, prospects appear to be fairly glad with Thrivent, lodging only a few complaints in comparison with the corporate’s measurement. And the corporate’s monetary power ranking is exemplary.

Nonetheless, Thrivent solely sells life insurance coverage to individuals who establish as Christian and their spouses, and you will need to apply for membership to purchase a coverage.

Thrivent was based in 1902 and is predicated in Minneapolis.

Professionals & Cons

Out there Coverage Sorts

Time period life
Complete life
Dividend-paying entire life
Youngsters’s entire life
Common life
Variable common life
No-medical-exam life
Survivorship life

Out there Riders

Time period conversion
Assured insurability
Waiver of premium
Terminal sickness

Greatest for Dividends : MassMutual

Monetary Energy Score: A++
Criticism charge: A lot higher than anticipated for firm measurement

Get a Quote Why We Selected It

In keeping with Investopedia’s examination of 45 corporations, MassMutual’s entire life insurance coverage paid the best dividend charge in the marketplace. Dividends are by no means assured, however MassMutual has paid them yearly since 1869.

Professionals & Cons Professionals

Market-leading dividend rate of interest
Complete life insurance policies obtainable as much as age 90
Stellar buyer grievance file
Wonderful rank in buyer satisfaction survey

Cons

No on-line quotes
No on-line functions
Doesn’t provide reside chat

Overview

MassMutual has paid dividends to eligible policyholders for 155 straight years. Its dividend charge for 2024 was 6.1%, the best among the many 45 corporations Investopedia investigated. The entire 2024 estimated dividend payout set a brand new firm file, at $2.2 billion.

MassMutual can also be a pacesetter in different areas, with the best most subject age (90) for entire life insurance coverage insurance policies in our research. The corporate additionally has the most effective buyer grievance information we noticed, and it took third place in J.D. Energy’s buyer satisfaction survey.

There isn’t a lot to dislike about MassMutual, however it’s not an organization for individuals who need strong on-line options. You’ll be able to’t get a quote or apply for a coverage on-line, and it doesn’t have reside chat.

The insurer was established in 1851 and is predicated in Springfield, Massachusetts.

Coverage Sorts & Riders

Out there Coverage Sorts

Time period life
Complete life
Dividend-paying entire life
Youngsters’s entire life
Common life
Variable common life
Survivorship life

Out there Riders

Time period conversion
Partner rider
Assured insurability
Waiver of premium
Incapacity revenue
Terminal sickness
Continual sickness

Why You Ought to Belief Us

All of Investopedia’s life insurance coverage opinions are primarily based on intensive analysis and evaluation by a group of professional researchers, editors, and writers. To create this checklist of the perfect life insurance coverage corporations for individuals over 50, we collected information on dozens of standards from 45 corporations. The factors helped us rating every firm’s prices, protection choices, monetary stability, and different options and provide you with goal evaluations that can assist you select the perfect supplier for you.

Investopedia has been publishing reliable monetary info since 1999 and has been reviewing life insurance coverage corporations since 2020.

Why Ought to Individuals Over 50 Think about Getting Life Insurance coverage?

Individuals over age 50 ought to contemplate getting life insurance coverage if they’ve a partner, kids, or different dependents who depend on them financially. It may be helpful if you wish to help your partner or baby in paying off a mortgage, overlaying funeral prices, supporting your favourite charity, or funding a grandchild’s schooling after you’ve handed away.

However life insurance coverage could be pricey as you become old. When insurance coverage corporations decide a person’s premium, they’ll have a look at elements like age, well being standing, gender, medical historical past, and extra. So life insurance coverage premiums for a wholesome 30-year-old will usually price lower than premiums for a 50-year-old who has the next danger of dying.

When narrowing down what kind of life insurance coverage to buy, you’ll wish to take into consideration why you want life insurance coverage, how a lot protection you need, and the way a lot you’re prepared to pay.

Forms of Life Insurance coverage For Individuals Over 50

Time period Life Insurance coverage

Time period life insurance coverage presents policyholders protection for a set time period (usually between 10 and 30 years). If the policyholder passes away whereas they’re lined, their beneficiaries will obtain a dying profit. Nonetheless, in the event that they die after their insurance coverage has expired, the dying profit received’t be paid out. Time period life insurance coverage is far more inexpensive than different varieties of lifelong everlasting protection.

For individuals who have momentary monetary obligations, like a mortgage, time period life insurance coverage could also be a greater choice than everlasting life insurance coverage. Somebody may buy a time period life insurance coverage coverage that ends shortly after they’ve paid off their mortgage. In the event that they go away whereas nonetheless owing the mortgage, their beneficiary can use the dying profit to assist repay the remaining debt.

Time period life insurance coverage may also substitute your revenue for those who go away whereas nonetheless working. You should buy a coverage that lasts till you retire. Individuals over 50 may nonetheless plan on working a decade or longer and will arrange time period protection that lasts till they retire.

Plus, there are some time period life insurance coverage insurance policies that supply policyholders the choice of changing their coverage to a everlasting life insurance coverage coverage with out present process an extra medical examination. Convertible insurance policies could be helpful for individuals who initially go for time period life as a result of it’s extra inexpensive however need the choice of switching to everlasting life insurance coverage in a while.

Complete Life Insurance coverage

Complete life insurance coverage is a sort of everlasting life insurance coverage. It offers lifelong protection and contains money worth that policyholders can withdraw, borrow from, or use to cowl premiums. With entire life insurance coverage, premiums and the dying profit are fastened. Moreover, the rate of interest that policyholders obtain on money worth is fastened, which implies you obtain a assured return in your cash.

Complete life insurance coverage could make sense for wants that by no means go away, like overlaying your closing bills or leaving an inheritance. You possibly can additionally use entire life insurance coverage to construct up money worth that you might spend in retirement.

Remaining Expense Insurance coverage

Remaining expense insurance coverage is a sort of everlasting life insurance coverage coverage that gives a smaller dying profit, usually between $10,000 and $50,000. In different phrases, simply sufficient to cowl a funeral and different closing bills. Remaining expense life insurance coverage has fastened premiums and might embody money worth.

These insurance policies usually don’t require a medical examination. In change, they’re costlier than an everyday entire life coverage with the identical dying profit. There may be a ready interval earlier than the protection begins, comparable to one to a few years after the date of buy. In case you go away through the ready interval, your heirs often get the premiums again however not the dying profit.

Not like the identify suggests, closing expense life insurance coverage doesn’t have for use completely to cowl prices related to a funeral—beneficiaries can use the funds as they see match, whether or not that’s to repay a mortgage or medical bills.

Remaining expense life insurance coverage might also be a greater choice for individuals who favor not having to undertake a medical examination for underwriting—because the dying profit is smaller, the underwriting course of is extra simple.

Common Life Insurance coverage

Common life insurance coverage can also be a sort of everlasting life insurance coverage that has money worth. But not like entire life insurance coverage, which has fastened premiums and a set dying profit, common life insurance coverage presents extra flexibility—policyholders pay versatile premiums and might regulate their dying profit.

With common life insurance coverage, premiums enhance as a policyholder ages to make up for the upper insurance coverage prices. You might be supposed to construct up money worth whereas youthful to assist cowl the premiums later in life.

Common life is cheaper than entire life insurance coverage. It may be a extra inexpensive means for somebody over 50 to purchase everlasting protection. Nonetheless, they have to finances fastidiously to make sure they construct sufficient money worth for the upper future premiums.

Professionals & Cons of Life Insurance coverage for Individuals Over 50

Professionals

Candidates should be eligible for plans with a big payout
Extensive collection of plans obtainable
Can present dwelling advantages in retirement

Cons

Premiums are extra pricey
Candidates could also be in poorer well being
Qualifying can take extra work

Professionals Defined

Candidates should be eligible for plans with a big payout: When you’ll pay extra for a life insurance coverage plan over age 50 than you’ll at age 35, you may nonetheless enroll in life insurance policy that supply beneficiant protection, supplied you’re wholesome sufficient to qualify.
Extensive collection of plan sorts nonetheless obtainable: Individuals over 50 have a spread of economic wants. Most life insurance coverage merchandise ought to nonetheless be obtainable, starting from momentary time period to everlasting insurance policies for lifelong protection.
Can present dwelling advantages in retirement: Some insurance policies embody riders that pay out if you are nonetheless alive for those who develop a continual or terminal sickness, so you could have more cash for medical payments. You possibly can additionally purchase life insurance coverage that helps pay for long-term care in a nursing house. Plus, cash-value insurance policies construct financial savings you should utilize whereas alive.

Cons Defined

Premiums are extra pricey: As you become old, your danger of dying will increase—insurance coverage corporations will usually cost increased premiums for older candidates.
Candidates could also be in poorer well being: Usually, well being declines as you age, so chances are you’ll be in worse well being in your 50s than you had been 20 years earlier. Which means that you probably have poor well being and go for a plan that requires a medical examination, you might find yourself paying some hefty premiums.
Qualifying can take extra work: Life insurers are likely to have harder medical underwriting as individuals become old. Somebody over 50 might have to go extra well being testing hurdles, comparable to seeing a health care provider for a full bodily or taking an EKG. When you have a pre-existing well being situation, chances are you’ll want to use with a number of insurers to search out one that’s extra accepting of your scenario.

How We Selected the Greatest Life Insurance coverage Corporations for Individuals Over 50

Investopedia’s checklist of the perfect life insurance coverage corporations for individuals over 50 is predicated on intensive analysis into the highest suppliers. We first commissioned a client survey about life insurance coverage and consulted details about market share and recognition to know which corporations to contemplate. We then eliminated suppliers who didn’t meet our baseline requirements for on-line transparency, monetary power, and buyer satisfaction, leaving us with 45 corporations to analysis additional.

Between Could 20 and July 3, 2024, our specialists gathered 3,150 information factors associated to 70 standards. The info got here from firm webpages, media representatives, ranking companies (AM Greatest, NAIC, and J.D. Energy), and customer support calls.

Then, workers editors and analysis analysts created a quantitative mannequin that scores every firm primarily based on six main classes, which we weighted as such:

Coverage Options and Riders: 34%
Software and On-line Service Options: 20%
Coverage Sorts: 16%
Value: 14%
Buyer Satisfaction: 10%
Monetary Stability: 6%

For extra info, learn our full methodology clarification.

best life insurance companies for people over 50 — Mira Norian / Investopedia.

Article Sources Investopedia requires writers to make use of main sources to assist their work. These embody white papers, authorities information, unique reporting, and interviews with business specialists. We additionally reference unique analysis from different respected publishers the place acceptable. You’ll be able to be taught extra concerning the requirements we comply with in producing correct, unbiased content material in our editorial coverage.

AM Greatest. “Information to Greatest’s Monetary Energy Rankings.”
J.D. Energy. "2024 U.S. Particular person Life Insurance coverage Research."
Guardian Life. “What Is the Greatest Life Insurance coverage for Individuals Over 50 Years Outdated?”
New York Life. “Remaining Expense Insurance coverage."
Western & Southern Life. “What Is Common Life (UL)?”

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