Seniors life insurance – December 2025

It’s possible for seniors to get life insurance, you’ll just need to look at providers with a higher entry age. We’ve listed them out below.

Life Insurance

Compare life insurance for seniors

7 of 22 results
Finder Score Maximum Entry Age Maximum Cover Funeral Benefit Optional TPD Cover
Finder score
Maximum Entry Age
$74
Maximum Cover
No set limit
Funeral Benefit
$25,000
Optional TPD Cover
$3 million
(maximum cover)
Get up to 15% off your TAL Life, Trauma or TPD insurance policy for life - if you have a Body Mass Index (BMI) between 19 and 28 at the time of your application. T&Cs apply.
Our verdict: One of Australia's leading life insurers. Automatically includes child critical illness cover. Plus, it comes with a level premium option (e.g. costs remain similar as you get older).
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Finder score
Maximum Entry Age
$70
Maximum Cover
$2.5 million
Funeral Benefit
$15,000
Optional TPD Cover
$1.5 million
(maximum cover)
Get your 1st month free when you use promo code MB1MF and get cover by 2 Feb 2026. T&Cs apply.
Our verdict: Medibank offers a higher payout limit ($2.5 million) than 15 other providers. It also won Most Loved, Best Value and Legendary Service categories in the Finder 2025 Customer Satisfaction Awards.
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Finder score
Maximum Entry Age
$55
Maximum Cover
$1.5 million
Funeral Benefit
$15,000
Optional TPD Cover
$1 million
(maximum cover)
Get a 10% discount if you're already an ahm Health Insurance member. T&Cs apply.
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Real Life Insurance logo
Finder score
Finder score
Maximum Entry Age
$74
Maximum Cover
$2 million
Funeral Benefit
$20,000
Optional TPD Cover
$1 million
(maximum cover)
Get 10% cash back of the premiums you've paid after your 12-month anniversary with The Real Reward™. T&Cs apply.
Our verdict: The application is simple; it can be done with 1 phone call and there are no medical exams.
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Australian Seniors Life Insurance logo
Finder score
Finder score
Maximum Entry Age
$79
Maximum Cover
$0.2 million
Funeral Benefit
Optional TPD Cover
Our verdict: Australian Seniors lets you take out cover up to the age of 79. No medical exams or blood tests needed to apply.

Keep in mind: Low cover limit of up to $200,000 and no option to add TPD or Trauma cover.
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AAMI Life Insurance logo
Finder score
Finder score
Maximum Entry Age
$65
Maximum Cover
$1.5 million
Funeral Benefit
$10,000
Optional TPD Cover
Purchase a new AAMI Life Insurance policy and save $100 on your first year. T&Cs apply.
Our verdict: There’s flexibility with AAMI as you can add another adult to your cover, with a competitive limit of $1.5 million. Easy application process with no medical exams.
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Real Life Insurance logo
Finder score
Finder score
Maximum Entry Age
$79
Maximum Cover
$0.1 million
Funeral Benefit
$20,000
Optional TPD Cover
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Finder Score - Life Insurance

Life Insurance is a little complicated and a lot overwhelming. That's why we made the Finder Score, to make it easier to compare Life Insurance products against each other. Our experts analysed over 30 products and gave each one a score out of 10.

But a higher score doesn't always mean a product is better for you. Your situation is unique, so your policy choice will be too. Don't think of Finder Score as the final word, but as a good place to start your life insurance comparison.

Read the full methodology

Life insurance for seniors - what to keep in mind

When looking for life insurance as a senior, the first thing to look at is the maximum entry age. This refers to how old you need to be for an insurer to accept your application. As a senior, you'll want to narrow down your search to policies that have a higher maximum entry age.

From there, you might like to consider a few other factors:

  • Maximum cover limit: How much cover do you need? If you're not looking to insure yourself for millions of dollars then you might be fine with a policy that has a lower cover limit.
  • Funeral benefit: This is a cash advancement that comes out of your total payout to allow your beneficiaries to pay for your funeral. Some offer around $5,000, other offers up to around $15,000.

Life insurance policies with a higher maximum entry age

We found 10 policies with a maximum entry age of 70 or above. Those providers are:

ProviderMaximum entry age
TAL74
Medibank70
NobleOak74
RAC74
Neos75
ClearView75
Westpac74
Australian Seniors79
MetLife73
St George74

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Sources

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Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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