80歲可以獲得人壽保險嗎？
80歲可以獲得人壽保險嗎？
 While it's possible for an 80 year old to get life insurance, it can sometimes be a bit of a process. At 80 one might still qualify for certain simplified issue policies. Simplified issue simply means that the normal medical underwriting requirements might not be quite as invasive as they would otherwise be. If the individual is in superlative health, he or she can also entertain a fully underwritten policy, meaning he or she will undergo pretty extensive medical underwriting in order to qualify for the life insurance policy. This would be the cheaper option per dollar of death benefit purchased, but requires the proposed insured to be in excellent health. If someone this age is considering life insurance time is of the essence as many carriers cutoff eligibility after age 80 and many more cutoff at age 85. Very few will go up to age 90, which is where almost all stop issuing policies.
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