55 and over? You’re not late. You’re right on time.
Plenty of insurers quietly lose interest after 55. We accept applications to age 80, ask 14 plain-language questions instead of ordering a medical exam, and make every applicant a real offer, with a decision within 24 hours.
Check my price- No exam at any age
- Apply up to age 80
- Decision within 24 hours
- Price locked once approved
Straight answers
What actually changes after 55, and what doesn’t.
Age changes the price and the options on the table. It doesn’t change whether you get a yes.
Prices are higher, and rise on birthdays
Rates are set by your age at application and go up each birthday. That’s exactly why checking your price today beats checking next year.
Term coverage has an end date
Term policies at Oneday renew and convert to age 70 and end at age 80. That’s the honest boundary, and it’s printed here, not in a footnote.
Permanent coverage has no end date
Everyone qualifies for a permanent option that stays for life as long as premiums are paid. For final expenses and legacy plans, it’s the workhorse after 55.
The yes doesn’t change
Every applicant aged 18 to 80 receives an offer. Health conditions common after 55 shift the terms, never the answer.
What it’s for now
Coverage at 55+ has different jobs to do.
Finish the mortgage
If the house isn’t paid off yet, coverage sized to the remaining balance means your spouse or kids keep the home, no matter what.
Cover final expenses
A funeral and the paperwork that follows commonly run into five figures. A modest policy spares your family that bill on their hardest week.
Leave a clean legacy
A tax-free amount to a spouse, kids, grandkids, or a charity, a plan on paper instead of a hope. You choose the beneficiaries and the split.
Sizing it: add remaining Debts, any Income someone still relies on, the Mortgage balance, and Education promises to grandchildren, the DIME method. Coverage runs from $5,000 to $500,000.
No email wall
Real prices at 55, published.
No email, no phone number, no callback required to see a number. Here are real age-55 rates, straight from our calculator.
| Coverage | Monthly premium |
|---|---|
| $100,000 | $41.04 |
| $250,000 | $98.55 |
| $500,000 | $194.40 |
Rates shown are illustrative: female non-smoker, age 55 nearest birthday, 10-year term, Prime tier, including the $30 annual policy fee. Not an offer of insurance, your rate is confirmed during the application, before any payment is taken. Underwritten by Humania Assurance Inc. The four tiers are explained on our products page.
See my real priceThe honest part
Health history after 55? Expected, not disqualifying.
Blood pressure medication, cholesterol, diabetes, a heart event years ago, a cancer you beat, these are the files we built Oneday for.
Healthier answers
Full coverage from day one, no deferral, and our best available pricing for your age.
More complicated history
Some policies start with a 24-month deferral: accidental death pays the full amount from day one, and natural death in that window returns every premium paid to your beneficiary, Oneday keeps nothing. After 24 months, full coverage for any cause.
No decline letter, period
Even the toughest health answers land in our Guaranteed tier: acceptance guaranteed for ages 18 to 80, permanent coverage that stays for life.
Rather talk it through with a person? Licensed advisors, no pressure, as long as you need, 1 800 655 2795.
Before you start
The questions people 55+ actually ask.
Can I still get life insurance after 55?
Yes. Oneday accepts applications from ages 18 to 80, and every applicant in that range receives an offer. After 55 you have real options: term coverage while you’re eligible, and a permanent option that stays for life, which everyone qualifies for, regardless of health answers.
Do I need a medical exam at my age?
No. There is no medical exam at Oneday at any age, no nurse visit, no blood work, no doctor’s note. The application is 14 plain-language health questions plus your height and weight, and a decision comes within 24 hours.
How much does life insurance cost at 55 or older?
Price depends on your age at application, gender, smoking status, health answers, coverage amount, and term. As an illustration, a 55-year-old female non-smoker can get $100,000 of 10-year term coverage from about $41.04 per month on our Prime tier. Rates rise with age, and they rise on your birthday, so checking sooner locks a lower price.
Up to what age can I apply, and how long does coverage last?
You can apply up to age 80. Term coverage at Oneday renews and converts to age 70 and ends at age 80. Everyone also qualifies for a permanent option that stays for life, as long as premiums are paid, which is why many applicants over 55 choose permanent coverage for final expenses and legacy plans.
Will my health conditions stop me from qualifying?
No. Conditions common after 55, high blood pressure, high cholesterol, diabetes, a past heart event or cancer in remission, never close the door. Tougher answers can change the amount, the price, and whether a 24-month deferral applies, but every applicant aged 18 to 80 receives a real offer.
What coverage amount is realistic at my stage?
Run the DIME numbers: remaining Debts, Income anyone still relies on, what’s left on the Mortgage, and any Education promises to grandchildren. For many people over 55, the answer is smaller than it once was, often enough to clear a mortgage balance, cover final expenses, or leave a legacy. Coverage runs from $5,000 to $500,000, so both modest and substantial answers fit.
What is the 24-month deferral, and will it apply to me?
It depends on your health answers, not your age. If your history is more complicated, full natural-cause coverage starts after 24 months: accidental death pays the full amount from day one, and natural death in that window returns every premium paid to your beneficiary, Oneday keeps nothing. Healthier answers get full coverage from day one, no deferral.
Where is Oneday available?
Seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
Your rate rises on your birthday. Check it before it does.
No email required. Applications accepted to age 80, see your real price in about 60 seconds.
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