Term life does not stop at 65. These carriers issue level term to applicants in their late 60s and 70s.
Matches use each carrier's published issue ages, coverage range, terms and state availability as of October 19, 2026. Final eligibility and price come from the insurer. Quote Genie may earn a commission when you request a quote; it never changes the order. Disclosure
Issue-age limits are the binding constraint for older buyers. Mutual of Omaha and Transamerica issue to age 80, and Banner, Protective, Pacific Life and Guardian issue to 75. Expect term lengths to shrink with age: a 70-year-old can usually buy 10- or 15-year terms, rarely 20. If you need coverage past 85, compare a guaranteed universal life policy instead.
It checks your age, coverage amount, term length and state against each carrier's published issue ages, face-amount range, term options and state availability, then ranks the matches by our editorial rating. It is a fit filter, not a quote engine; actual premiums come from the carrier after underwriting.
We rate carriers that sell term life nationally, hold an AM Best rating of A or better, and publish enough product detail to compare fairly. Captive carriers that only quote through their own agents and very small regional insurers are excluded.
No. Quote Genie earns a commission from some carriers and marketplaces when you request a quote, but ratings are set by a fixed methodology before any commercial relationship is considered. Several top-rated carriers pay us nothing.
It means the carrier's published no-exam limit is at or above the coverage amount you selected. You may still be asked for an exam if your health questionnaire or prescription history raises a flag.
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