Terms of Use

Senior Life Insurance Cost publishes a free premium calculator and a set of guides on final expense, term, and whole life coverage for people over 60. Using this site means you accept the terms below. Last updated 2026-06-17.

What the calculator does

The tool on the homepage multiplies a base monthly rate by the age band, policy type, health tier, and ZIP code you select. It runs entirely in your browser and returns a range, not a quote. No insurer has priced your specific application, so treat the number as a starting point for a conversation, not a binding figure.

No professional advice

Nothing on this site is life insurance, financial, tax, or legal advice. Underwriting rules, state regulations, and carrier pricing change, and a licensed agent working from your actual health history and state will always be more accurate than this calculator. Get a written quote before making a decision about coverage.

Quote links and referrals

Some links on this site route you to insurance marketplaces or licensed agents. If you request a quote through one of those links, we may be paid a referral fee. That arrangement never changes the price you pay, and it does not influence how we describe policy types or pricing on this site.

Accuracy and limits

We update the pricing tables and guides periodically, but we cannot guarantee every figure reflects the current market at the moment you read it. The site and its content are provided as is, without warranty of any kind, and we are not liable for decisions made based on the estimates shown here.

Changes to these terms

We may revise these terms as the site or its offerings change. Continuing to use the site after an update means you accept the revised terms. Questions about these terms can be sent through our contact page.