Can you get life insurance after 75 in Canada?

Yes. Many Canadians over 75 can still get coverage, typically through permanent products like final expense or guaranteed issue life insurance. Some insurers also offer limited term or whole life options depending on age and health. Coverage limits are usually smaller and premiums are higher than for younger applicants.

What is the best life insurance for seniors over 75?

For many seniors over 75, the best fit is final expense (small whole life) if you can qualify, or guaranteed issue if health issues make underwriting difficult. If your goal is just funeral costs or small debts, a smaller policy can be more cost-effective than trying to buy large coverage.

How much coverage can seniors over 75 get?

It varies by insurer and health, but many over-75 policies are designed for smaller amounts (for example $5,000–$50,000). Guaranteed issue products often cap coverage and may have graded benefits in the first 1–2 years.

Life Insurance for Seniors Over 75 Canada (2026)

Life Insurance for Seniors Over 75 Canada — What’s Still Available (2026)

Looking for life insurance for seniors over 75? You’re not alone — and yes, options still exist in Canada. The main difference at 75+ is that insurers typically focus on smaller face amounts and products designed for final expenses (and sometimes estate planning), rather than large income-replacement policies. This guide explains what’s realistic after age 75 and how to compare.

Updated March 17, 2026

What life insurance looks like over 75

At 75+, most Canadians shop for coverage to pay for funerals, settle a small debt, or leave a gift. If you still need larger coverage (for example, to support a spouse), the best strategy is usually to compare what’s available and choose the most cost-effective amount you can keep long-term. Start with our broader overview at life insurance for seniors guide Canada and our comparison post for 65+ at best life insurance for seniors over 65.

Option 1: Final expense (small whole life)

Final expense insurance is usually a small whole life policy designed for $5,000–$25,000 (sometimes more). It’s permanent (doesn’t expire) and can be a strong fit if you can qualify. It’s often used to cover funeral costs, probate fees, and small obligations.

Option 2: Guaranteed issue (no health questions)

If health is the issue, guaranteed issue life insurance can be a practical choice: no medical exam, no health questions, and you can’t be declined. The trade-off is a lower coverage cap and often a graded death benefit in the first 1–2 years. For the broader “no medical” landscape see life insurance without medical exam options Canada.

Option 3: Term life (limited availability)

Some insurers still offer limited-term policies at older ages, but availability narrows. If you’re approved, term life can provide more coverage per dollar than whole life — but you’ll want to pay attention to renewal costs and the term length. If your goal is mortgage protection, see life insurance with mortgage Canada.

How to compare (quick checklist)

Coverage amount: pick a realistic amount you can keep for years.
Underwriting: if you want zero health questions, start with guaranteed issue.
Graded benefit: know whether full coverage applies immediately or after 1–2 years.
Permanent vs term: permanent is often better for lifetime needs; term can be cheaper but may expire.

For consumer education resources, the Financial Consumer Agency of Canada (FCAC) and the Canadian Life and Health Insurance Association (CLHIA) are good places to learn the basics.

FAQ

Can you get life insurance after 75?

Yes — most commonly final expense/whole life or guaranteed issue. Coverage is typically smaller and premiums are higher.

Best type for seniors over 75?

Often final expense if you can qualify, or guaranteed issue if health makes underwriting difficult.

How much coverage is typical?

Many policies focus on $5,000–$50,000. Guaranteed issue commonly has caps and may include a graded benefit period.

Compare senior life insurance

Compare life insurance quotes to see what’s available at your age and health profile.