Notifications from Aflac

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Utah policyholders residing in Utah who were affected by the wildfires, Aflac will provide a premium grace period starting July 31, 2025, and ending Sept. 29, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for California policyholders residing in Humboldt, Mendocino, Modoc, Napa, Shasta, Sonoma, and Trinity Counties affected by the winter storms, Aflac will provide a premium grace period starting Jan. 31, 2025, and ending Sept. 29, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for North Dakota policyholders residing in North Dakota who were affected by the severe summer storms and tornadoes, Aflac will provide a premium grace period starting June 21, 2025, and ending Aug. 20, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting July 16, 2025, and ending Sept. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Crook County who were affected by the wildfires, Aflac will provide a premium grace period starting July 12, 2025, and ending Sept. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent flooding:

To help provide relief for Texas policyholders and/or certificate holders residing in Bandera, Bexar, Burnet, Caldwell, Coke, Comal, Concho, Gillespie, Guadalupe, Kendall, Kerr, Kimble, Llano, Mason, McCulloch, Menard, Reeves, San Saba, Tom Green, Travis, and Williamson counties who were affected by the flooding, Aflac will provide an extended premium grace period starting July 2, 2025, and ending Sept. 8, 2025. This grace period also includes an extension of filing deadlines for claims and leniency for any other actions required under the policy and/or certificate. Aflac will provide a replacement copy of the policy and/or certificate upon request by the policyholder and/or certificate holder.

For Network Dental and Vision Members:

This grace period also includes an extension of filing deadlines for claims; temporary relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability of in-network providers or member displacement; and leniency for any other actions required under the certificate.

Affected members should contact Aflac Benefits Solutions (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Klamath County who were affected by the wildfires, Aflac will provide a premium grace period starting July 8, 2025, and ending Sept. 08, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Umatilla County who were affected by the wildfires, Aflac will provide a premium grace period starting July 2, 2025, and ending Sept. 02, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To provide relief for New Mexico policyholiders and/or certificate holders residing in Grant County and affected by the Trout Fire, Aflac will provide the following protections for policyholders and/or certificate holders: Provide an extended premium grace period from Thursday, Jun. 12, 2025 through Monday, Sep. 15, 2025. Offer policyholders and/or certificate holders a payment plan of no less than six (6) months if unable to pay the delinquency after the extended day grace period (This applies to all coverages except life.). Work with policyholders and/or certificate holders on premium payments to prevent lapse and cancellation of policies. Waive late fees and penalties. Waive early refill time limits on active prescriptions. Allow additional time for actions required under the policy and/or certificate and the submission of documents due to limited access to service and mobility. Provide an extension of filing deadlines for claims and leniency for any other action required under the policy and/or certificate. Provide a copy of the policy and/or certificate to the policyholder and/or certificate holder upon request.

In addition to the above, Aflac through Aflac Benefits Solutions will provide the following protections for Network Dental and Vision members and providers: Waive cost sharing and deductibles. Permit one eyeglass or contact lens replacement and one hearing aid replacement during the pendency of the Emergency Order, waiving frequency limitations. Permit one replacement for dentures or other prosthodontic devices during the pendency of this Emergency Order, waiving frequency limits. Waive additional fees, charges, referrals, eligibility and prior authorization requirements for medically necessary services, whether emergent or not. This applies to benefits and services obtained from both in- and out-of-network providers. Extend medical providers' reporting requirements for claims submissions and for additional information relating to claims. Fully reimburse out-of-network providers at the usual, customary, and reasonable rate.

Affected members should contact Aflac Dental and Vision (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Jefferson County who were affected by the wildfires, Aflac will provide a premium grace period starting June 16, 2025, and ending Aug. 18, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Los Angeles County affected by the wildfires, Aflac will provide a premium grace period starting Dec. 9, 2024, and ending Aug. 18, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Wasco County who were affected by the wildfires, Aflac will provide a premium grace period starting June 11, 2025, and ending Aug. 11, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for Maryland policyholders residing in Allegany and Garrett Counties affected by the flooding, Aflac will provide a premium grace period starting May 13, 2025, and ending July 14, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for California policyholders residing in Trinity County affected by the Dec. 15, 2024, and Dec. 29, 2024, winter storms, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent levee failure:

To help provide relief for California policyholders residing in San Joaquin County affected by the Oct. 21, 2024, Victoria Island Levee failure, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


New messages from Aflac | View Notifications opens a dialog Close X dismisses the notification alert

Life Insurance for Seniors
Over 75

Life insurance can suit people in all stages of life. If you’re over 75, you may benefit from using a policy to help protect your beneficiaries financially, aid in estate planning, and help loved ones cover final expenses. This article will explain how life insurance for seniors over 75 works and how to find and apply for a policy that suits your needs and budget.

3 Min Read

Reasons seniors over 75 should get life insurance

Here are a few reasons seniors over 75 should consider life insurance:1

Provide loved ones with added financial security

Life insurance for seniors over 75 pays a death benefit payout to your beneficiaries after you pass away. Death benefits can range from tens to hundreds of thousands of dollars, offering loved ones extra financial security. They can use the money to save for future goals and help cover expenses without financial strain.

Cover end-of-life costs

End-of-life costs can be expensive. For example, the median funeral cost in 2023, including a casket and burial, was $8,300.2 That doesn’t include medical bills, long-term care, or other costs. Loved ones can use the death benefit payout to help pay for all these costs without going into debt or dipping into savings. They can also use the death benefit to help with expenses relating to traveling for the funeral or other end-of-life matters.

Help pay debts

If you have debts with a co-signer, joint account holder, or similar arrangement, that person becomes responsible for the outstanding debt if you pass away.3 For example, you and your spouse may have co-signed on a mortgage. Meanwhile, your estate can pay down debts you don’t share with anyone, leaving less for your heirs. In either case, a death benefit can help pay these debts and offer significant relief to your loved ones.

Leave a larger legacy

Death benefits are generally not taxed as income. If you place the policy in an irrevocable life insurance trust (ILIT), the death benefit won’t count toward your estate value, either. This allows you to move some of your wealth into a vehicle that can reduce your estate’s taxable value, reducing the chance you meet the threshold. As a result, your beneficiaries can receive more of your wealth without taxes.

Gain added peace of mind

Life insurance ultimately helps provide added peace of mind to all parties involved. You can rest assured your loved ones are taken care of if you pass away.

Life insurance policies for seniors over 75

Here are some life insurance policies seniors over 75 can obtain from Aflac:

  • Term life insurance: A term life insurance policy lasts for 10 to 30 years, depending on your choice, but premiums are more competitive than permanent life insurance.

  • Whole life insurance: Whole life insurance policies have various premium ranges, lifelong coverage, and a cash value component that grows with each payment. Cash value earns tax-deferred interest, and you can borrow against or withdraw from it when it grows enough.

  • Universal life insurance: Universal life insurance works like whole life insurance, offering lifelong coverage and cash value. However, it may allow you to adjust your premiums and death benefit as needed.

Types of life insurance with no medical exam for seniors

Seniors over 75 may prefer to skip taking a medical exam to get life insurance. Besides avoiding the inconvenience or potential invasiveness of an exam, this can allow you to apply for coverage more quickly. Here are some no-exam policies for seniors over 75:

  • Final expense insurance: A final expense insurance policy requires no medical exam but offers a smaller death benefit that can help cover funeral costs, medical bills, and similar end-of-life expenses. However, premiums are budget-friendly, and there is a cash value component. Aflac offers final expense insurance that can give seniors added peace of mind.

  • Guaranteed issue life insurance: This guarantees approval, requiring no medical exam or questions. Coverage is small, but so are premiums.

  • Simplified issue life insurance: This policy is similar to guaranteed issue life insurance, but may ask some medical questions on the application.
Aflac duck with wings out

Peace of mind doesn't have to break the bank

Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.

Get Started

Which type of life insurance is best for seniors over 75?

Here are some factors for seniors to consider when determining which life insurance policy type to get:

Loved ones

Consider your loved ones’ financial needs. For example, you may need a larger policy if you have more loved ones who depend on your support or for whom you’d like to leave a legacy. In this case, a term or whole life insurance policy could work. On the other hand, if you don’t need as much coverage, you could get a smaller policy to save money. For instance, you could get a final expense insurance policy to help loved ones with end-of-life costs.

Debts

If you have many outstanding debts, such as a mortgage, a larger policy can help take care of those. Make sure you can continue making these payments while fitting life insurance premiums into your budget. For example, a term policy may help you cover these debts without paying high premiums.

Medical exam preference

Some find medical exams for life insurance inconvenient or invasive. Others may simply prefer to apply for coverage quickly, since medical exams can significantly prolong the process. If either of those describes you, you may prefer a no-exam policy like final expense or guaranteed issue life insurance. However, if you’re fine with an exam and the extra time, you can go for a traditional policy.

Coverage duration

Determine how long you need coverage, whether for a fixed period or life. Weigh this alongside your life expectancy. For example, you may select a term life policy that lasts longer than your estimated life expectancy if you’d like to save on premiums while specifically ensuring your loved ones receive a larger legacy.

How to apply for a senior life insurance policy

Here’s how to apply for a senior life insurance policy:

1. Decide how much coverage you need

First, evaluate your current financial situation. Look at your income, expenses, assets, and debts. Factor in the needs of your dependents and your estate planning goals. Don’t forget to add end-of-life expenses to the calculation.

Furthermore, determine if you need lifelong coverage. This will help you decide between term and permanent life insurance and avoid falling short or overpaying for coverage you don’t need. You can also consider using an online calculator or working with a financial advisor.

2. Compare quotes and insurers

Life insurers differ in costs for the same amount of coverage, so it’s smart to shop for multiple quotes across insurers. This can help you compare quotes to find the lowest rates and best terms on the coverage you need.

3. Fill out and submit your application

Once you find the best quote, apply for a policy. Many insurers offer applications online, but you may be able to print and mail them, apply over the phone, or fill out an application at a physical office.

Provide extensive personal information, answers to any medical history questions, and your financial details. Take time to complete the application, triple-checking for completeness and accuracy. Errors or omissions can slow down the claims process or cause issues if a beneficiary has to file a claim, even if you didn’t intentionally misstate or omit anything.

4. Schedule and take your medical exam, if applicable

If you’re applying for a traditional policy, such as term or whole life insurance, schedule the medical exam after completing the application. Most examiners let you choose between doing the exam in your home or at a clinic.

During the exam, the examiner will gather a detailed personal and family health history and perform a basic physical checkup. They may also take blood and urine samples to examine your health status further, assess medical risk, and confirm whether you are a nonsmoker.

5. Receive coverage

Once you submit the application and, if relevant, finish your medical exam, the insurer determines approval and terms. If approved, you’ll receive documents outlining everything about the policy, such as:

  • Coverage amount
  • Premiums
  • Riders, if applicable
  • Other terms

Look over everything closely to make sure you understand your policy, and ask any questions you may have. Once you’ve reviewed the policy, sign the documents and pay your first premium to activate coverage.

Get a quote for Aflac life insurance

People of all ages can benefit from life insurance, including seniors over 75. They can use it to help protect loved ones, help with outstanding debts, and contribute to their estate planning.

Everyone has different goals, financial circumstances, and coverage needs. That’s why Aflac offers a wide range of life insurance policies for seniors over 75. Contact an agent today to explore your options and get a quote.

Get Started

Learn more about Aflac products for Individuals & Families: