Life Insurance for North Carolinians Over 50
Affordable Coverage Tailored to Your Golden Years Lock in rates today to protect your family’s future—no medical exams required for some policies.
YOUR LEGACY, YOUR WAY
Custom Coverage for Life’s Next Chapter
- Final Expense: $5K-$25K for burial costs ($30-$80/month)
- Term Life: Up to $500K coverage for healthy applicants
- Guaranteed Issue: No-health-question approval
Real-World NC Example
A 62-year-old Winston-Salem teacher secured a $200,000 term policy for $89/month—less than her cable bill—to protect her husband’s retirement.
Top Carriers for NC Residents
Your Top Options After 50: A Quick Look
| Policy Type | Best For | Key Feature |
|---|---|---|
| Term Life | Max Coverage, Lowest Cost | Fixed premiums for 10-20 years |
| Final Expense | Funeral & Burial Costs | Simple approval, fixed for life |
| Guaranteed Issue | Those with Health Issues | 100% Guaranteed Approval |
The Right Plan for Your Life Stage
Choosing the right life insurance after 50 is about matching a policy to your specific goals. Whether you need a large term policy to protect a spouse’s retirement lifestyle or a small, simple plan to cover final costs, the key is finding the most efficient tool for the job.
This is where our expertise makes a difference. We help North Carolina seniors navigate these options to find coverage that is both affordable and meaningful. We’ll help you compare plans to ensure you’re not paying for more coverage than you need, while securing the peace of mind your family deserves.
What to Expect When Applying
Underwriting Options
Depending on your health, you can choose from no-exam policies, simplified plans with a few health questions, or full medical underwriting for the absolute best rates.
Benefit Timing
Most policies provide full, immediate coverage. For Guaranteed Issue plans, there is a standard 2-year graded benefit period.
Living Benefits
Many of the policies we offer include powerful living benefit riders at no extra upfront cost, giving you access to funds if you face a critical illness.
Life Insurance over 50 in North Carolina: Your Questions Answered
I'm a smoker, can I still get affordable coverage?
Yes. While non-smoker rates are always lower, we work with carriers that offer competitive rates for smokers. The key is to be honest on your application. Some carriers even offer non-smoker rates if you have quit for over 12 months. As financial resource <a href=”https://www.moneycrashers.com/best-life-insurance-companies-people-over-50/” target=”_blank” rel=”noopener noreferrer”>MoneyCrashers</a> points out, comparing carriers is crucial.
I have some health issues. Should I just get Guaranteed Issue?
Not necessarily. Guaranteed Issue is the final safety net. Many common health conditions like well-managed high blood pressure or cholesterol may still qualify for a **Simplified Issue** policy, which offers better rates and a higher death benefit. It’s always best to <a href=”/quote-apply”>let us shop the market for you first</a>.
How fast can I get covered or approved?
Our fastest North Carolina approvals:
| Policy Type | Avg. Approval Time |
|---|---|
| Final Expense | Same day (by 5PM) |
| Term Life | 1-3 business days |
| Guaranteed Issue | Immediate coverage* |
*First payment required
How much Term coverage does the average NC family need?
A common rule of thumb is 10-15x your annual income. However, the best way to find your specific number is to account for your unique debts, future income needs, and legacy goals. We highly recommend using our free, anonymous Human Life Value Calculator
What is the oldest age I can get a new life insurance policy?
This depends on the policy type. For term insurance, coverage is often available up to age 70 or 75. For permanent policies like Final Expense or Guaranteed Issue, coverage is typically available up to age 85. The key is that once you have a permanent policy, it lasts for your entire life.