Getting life insurance as a senior citizen over 80 may seem like a losing battle; however, there are options available to find life insurance for senior citizens as long as you are prepared to do your research.  Not all companies will necessarily accept or decline you for life insurance for seniors; there are several companies that may offer insurance despite your age and you need only to find and compare them to get the best rates and deals.

It is not likely that you would get a whole life or even a term life insurance policy if you are over 80 so you may wish to investigate other types of senior life insurance policies that may be available to you.  One such senior life insurance policy may be the guaranteed life insurance which typically does not require you to have a medical exam to be accepted.  The disadvantage of this type of life insurance policy may be that you will typically have to undergo a waiting period of a couple of years before the benefits may be awarded.  Even though you may be in excellent health for your age, it may not be beneficial to you to seek out this type of insurance and have the possibility of leaving your loved ones without the benefits of your policy should you pass away before the waiting period.

A simplified issue life insurance policy may be another possibility for senior life insurance as it typically requires only a few medical questions to be answered and you are usually able to find out immediately whether or not you qualify.  Conduct your research carefully and compare companies and plans so that you can be sure you are getting the best deal for your money.