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Pacific life and penn mutual are the best life insurance companies for people over 50, based on our analysis of term and permanent life insurance policies. However, the cheapest rates can be found with foresters financial, at $45 per month. Sbli tops term life insurance for seniors in 2025 with competitive rates, $5m max benefit, and no premium increases

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The cost of whole life insurance can be significantly higher.

Cheapest term life insurance companies for seniors protective offers the most affordable term life insurance for seniors aged 60 to 65 We rank the best life insurance companies for seniors of 2025 We researched age restrictions, benefits, and more to help you make the best choice for you. Discover why life insurance costs rise with age and how to find the best options.

Nationwide is the best life insurance provider for people over 50, according to investopedia’s extensive research Lafayette, banner, and state farm also made our list Guide to affordable life insurance for those 50+