Life Insurance might just be the most adult phrase ever. It can seem quite daunting to people, as it represents the future and comes with a lot of uncertainty that most people do not want to address. Although people generally purchase life insurance policies after the age of 60, i.e., after they retire, there exist a good number of people who wait it out and purchase it when they are ready.
It is always good to be prepared for the future. If some unfortunate event caused you to meet your end, the last thing you would want is for your loved ones to be burdened financially as a result of this. Life insurance policies take care of funeral expenses and offer death benefits.
Additionally, they also help in the division of your estate among your next of kin and are not subject to probation (your assets get processed much faster). If you want to leave some money to your loved ones, leaving them as a part of death benefits would prevent them from having to pay income tax for that money.
Life Insurance over 75 years of age might seem impossible to obtain, but reading this article might surprise you in ways you cannot imagine. Purchasing life insurance above 75 years will grant you peace of mind, and you would be better equipped to live out your last days. It also encourages saving that will be your savior on a rainy day. There are many different insurance providers out there who provide a number of different policies.
We are here to shed some light on these policies and help you with picking your own. Reading this article will benefit you and enable you to make an informed choice. Before you make a decision, be sure to call us so that we can evaluate your options effectively.
Is It Feasible to Get Life Insurance After the Age of 75?
Why, of course, it is! But know that getting it can be quite complicated. As the mortality rate for men is 77 and that for women is 81 (both of which are within a decade from 75), insurance companies will view seniors over 75 as high risk.
It doesn’t take a genius to know that the health of the elderly deteriorates with age, i.e., as they become more elderly. Before you start saying that reading this is pointless if we’re just going to list out reasons as to why it is difficult to obtain life insurance after the age of 75, here is how one can get it.
Life insurance for seniors over 75 can be feasible as term insurance rates for those who are healthy, i.e., take minimal medications and have no major health concerns are quite affordable. However, people must be wary of the hybrid offers that show up on emails, TV advertisements, and smart mobile devices as they can be fraudulent.
One distinct feature of such is that they offer many things that everyone knows are too good to be true. Beware of “money-back” policies as well, because more often than not, these are a gimmick.
If you want to be free of such frauds, come to us! We have some top-rated insurance carriers who will provide life insurance for seniors over 75 at the rate they deserve! You can be assured that these insurance carriers are pros in the life insurance over 75 market.
Can You Get Affordable Life Insurance When You Are Over 75?
First of all, it is important to realize that life insurance is crucial, no matter how old you are. That too, when you’re over 75, it becomes all the more crucial! If you want to make sure that your family is taken care of after your time comes, life insurance is the way to go.
It comes as no surprise that as you get older, you will face more and more health problems. Just because it has been smooth sailing up until the age of 75, it doesn’t mean that things will continue to be this way. We hope it does, but it is always better to be practical.
Your mind will also be at peace if you make use of the term life insurance for seniors over 75. You can live the rest of your life without worrying about what your family will do after you pass on. You must also see that the death benefit of the policy you take up pays and that it is long term. Please note that the maximum age for life insurance is 89 years.
Of all the things your family can inherit from you, you want to make sure that your debts are not one of them. It is also fair for you not to want to put the burden of paying off your final expenses on their shoulders.
If you haven’t realized by now, it is not too late to obtain life insurance over 75! It is normal for people to be wary of life insurance for people over 75 due to high rates, but you need not worry too much! It is possible to achieve affordable life insurance for those over 75 years.
You must remember to call us in order for us to be able to make a comparison of the life insurance rates by basing it on your profile.
Cost-Effective Life Insurance for Elders Over 75
Reading this web article will tell you everything you need to know about buying affordable life term life insurance for seniors over 75. If you’ve just begun your 70s, this article will be beneficial to you as well.
It is quite sad that most elderly people over the age of 70 believe that low-cost life insurance policies are far from their grasp. This could not be further from the truth as it is not very difficult to obtain life insurance if someone is over 75 years. It might not be 30 years on a term, but it is something.
The following is a message from our founder regarding life insurance for people over 75 years of age: “Beware of the gimmicks you see on late-night television with a paid spokesman telling you what to buy and what is good!! In addition, keep the flyers you receive in the mail with the junk mail, as this is exactly what it is, JUNK MAIL!! These are the products you need to stay away from as they let you down when your family will need them the most!! You, seniors, are smart, and have an abundance of wisdom, follow your gut and instincts.”
You getting life insurance over 75 years ultimately depends on WHOM you approach. All in all, if you manage to approach the right expert with regards to life insurance over 75, you can get a great life insurance policy at a low price.
We hope you enjoy reading this article as it aims to help you with everything related to obtaining life insurance over the age of 75.
Life Insurance for People Over 75: Possible? If so, how much?
Contrary to what you might have been lead to believe so far, it is possible to discover feasible life insurance coverage plans. Actually, there are quite a number of coverage options for people over the age of 75 who are looking to get life insurance.
You might think that you ought to put it off because it leads to you paying a higher premium amount. If you do not lock it in, the truth is that once you cross the age of 60, monthly payments will just keep increasing each year.
It does not matter if it is a final expense or a term policy, be as honest as possible when you answer the health questions. Doing so will benefit you and will avoid troubles that might arise later if you are dishonest.
There is an alternative no medical exam for life insurance for elders over the age of 75. In this, there will be questions as part of an underwriting (like that of life insurance for the elderly) and maybe an interview. A medical check through the MIB may be asked sometimes.
The most important thing to keep in mind is that you are keeping your family safe by taking up a life insurance policy!
The Way to Get the Best Life Insurance Rates for People Between the Ages of 75 and 79
There might have been a lot of questions in your mind with regards to if it is even really possible to obtain life insurance at the age of 75 and, if so, what that policy would entail. It is important to realize that there will be a stark difference between obtaining life insurance quotes at the age of 75 and doing the same thing at 50. This is because, at 75, you are much less likely to need insurance for as long whether you like it or not.
If you want life insurance over 75, you will see that you find the most feasible term life insurances for 10-15 years. If you are 70, this period might extend to 20 years, but that’s about it. This short period will allow the customer to save a substantial amount of money.
You must realize that if you want a peaceful mind that is rid of worries, it is best to go with a term life policy. This is also the cheapest way to obtain life insurance for elderly people.
It should be noted that the amount of coverage can be up to 5 times the annual income at almost all companies that offer life insurance for people over 65 years of age.
With regards to life insurance for seniors over 75 that have guaranteed acceptance, the plans are a tad more convoluted. You might hear that in some cases, the death benefit protection does not come in until after a few years from the date on which you purchases the insurance policy. This can be quite counterproductive when you are buying insurance after the age of 75, especially for those who are already under high-risk due to pre-existing health issues or terminal illnesses.
For your information, you might be asked to pay 4 to 5 times more in the rate for life insurance if you smoke. In light of all these concerns, it is best to talk to an expert about them and find the best possible rate for your particular case. Going to an independent agent might be the best option for most people as they are unbiased.
Term Life Insurance Rates for Seniors of 75 Years of Age
In the tables below, we will illustrate the comparisons for term life insurance rates for people from the ages of 75 to 59 whilst also presenting the rates for males and females in each age category. You can be assured that these are the best possible term life insurance rates for women and men in these age groups.
We will now begin with the life insurance cost of females and males at the age of 75 years.
Female, 75 years: Life Insurance
|Term of 10 years||$1,486.99||$184.10||$100,000|
Male, 75 years: Life Insurance
|Term of 10 years||$2,140.69||$184.10||$100,000|
Term Life Insurance Rates for Seniors of 76 Years of Age
Below are the term life insurance rates for seniors of the age of 76 years:
Female, 76 years: Life Insurance
|Term of 10 years||$1,921.09||$164.25||$100,000|
Male, 76 years: Life Insurance
|Term of 10 years||$2,773.57||$237.14||$100,000|
Term Life Insurance Rates for Seniors of 77 Years of Age
Below are the term life insurance rates for seniors of the age of 77 years:
Female, 77 years: Life Insurance
|Term of 10 years||$2,372.27||$202.83||$100,000|
Male, 77 years: Life Insurance
|Term of 10 years||$3,459.89||$295.82||$100,000|
Term Life Insurance Rates for Seniors of 78 Years of Age
Below are the term life insurance rates for seniors of the age of 78 years:
Female, 78 years: Life Insurance
|Term of 10 years||$2,929.61||$250.48||$100,000|
Male, 78 years: Life Insurance
|Term of 10 years||$4,307.71||$368.31||$100,000|
Term Life Insurance Rates for Seniors of 79 Years of Age
Ultimately, it comes down to the underlying health conditions of the person when determining insurance rates, and whether it is term life insurance for a male or female of 79 years of age will not matter.
That said, below are the term life insurance rates for seniors of the age of 79 years:
Female, 79 years: Life Insurance
|Term of 10 years||$3,513.49||$300.40||$100,000|
Male, 79 years: Life Insurance
|Term of 10 years||$4,858.60||$420.27||$100,000|
From the tables above, it can be deduced that the increase from the ages of 75 to 79 is about 200%. One must also remember that the maximum age to be eligible for term life insurance at most carriers is 75. So if you are 75, you should make sure that you get on a life insurance policy before it is too late.
You will greatly benefit from talking to specialists at our organization. All of them are seasoned professionals who can recommend insurance carriers that specialize in life insurance for 75 and over.
Additionally, you will be happy to know that it does not matter if you are looking for life insurance for a man of 78 years of age or life insurance for a 75-year-old woman because we will give you the best options regardless of your circumstances. It is entirely feasible to obtain life insurance for people over the age of 75.
Life Insurance for Elders Above 75 Years: Advantages and Disadvantages
The most basic thing that people want out of their life insurance policies, especially at the age of 75 and above, is to fund the costs and expenses of their funeral. This is a fair ask in spite of the health issues that the person may have. Coverage options are limited for people at this age as the rates of insurance differ, so you must be careful in selecting a life insurance policy for yourself.
If you are 70 and have stumbled upon this article today, this is your lucky day! It is extremely easy on the pocket to purchase life insurance at this age than 75. It is cheaper by about 50%. That is a steal anywhere! If you procrastinate getting life insurance now and wait longer, you will just be burning holes in your own pocket.
If you are over 75, do not worry! Your ignorance might have caused you some extra money, but we aim to strive to make sure that you get the life insurance policy you deserve. We believe that our customers deserve nothing short of the best. So if you approach us, you will be presented with the best coverage options out there.
Our experts recommend term life insurance policies for people above the age of 75 as the best, most inexpensive option. This term length might be limited, but it is logical as you are already above the age of 75.
Most people above the age of 75 depend on a fixed monthly income, and when it is so, these people can benefit from low insurance premium rates offered by term life insurance policies. Insurance companies everywhere will almost always have a product available for you regardless of whether it is a final expense, GUL, or term life insurance.
If you are looking for an insurance policy for an elderly person with a terminal illness or major health concerns, you will still be able to purchase a guaranteed acceptance life insurance policy, which is a coverage that issues a guaranteed death benefit after a 2-year span. This particular type of insurance policy is more expensive than term life insurance policies, but it is the best option in extreme cases. This will be covered in detail in the course of this web article.
GUL Life Insurance: What Is It and Why It May Be the Best Option
A Guaranteed Universal Life (GUL) policy will greatly benefit those who are in need of more time and/or insurance than that which a normal burial and/or term policy can give.
If you are a person whose mortgage payments will have to be paid for over 16 years from now, or if you have debt that is more than a burial policy of $45,000, obtaining a GUL life insurance coverage would be the best course of action.
You may be hail and healthy, and this policy will benefit you greatly. But this begs the question, “If I am blessed enough to be from a family in which most members live up to a 100, do I go for a Term policy or a GUL policy?”
The following scenarios in different insurance carriers that offer term and GUL life insurance policies will help you understand.
Term Life Insurance Policy
Insurance providers like Prudential and Transamerica offer a face amount of $100,000 for people at the age of 75 years who are non-smokers. Prudential offers a monthly rate of $208.17 and a yearly rate of $2,379.00, while Transamerica offers a monthly rate of $321.12 and a yearly rate of $3,734.00. These policies are for 10 (up to the age of 85) and 15 years (up to the age of 90), respectively.
GUL Life Insurance Policy
Insurance providers like North American Company and Lincoln offer a face amount of $100,000 for people nearest to the age of 76 years who are non-smokers. North American Company offers a monthly rate of $382.98 and a yearly rate of $4,418.30, while Lincoln offers a monthly rate of $395.82 and a yearly rate of $4,587.60. These policies last up until the age of 95 and 100, respectively.
There are some small price differences between the term life insurance policies and the GUL policies, but it is extremely clear that GUL is the better option as it offers a term up to 95/100 years of age. One must also be educated about Guaranteed and Non-Guaranteed policies when they are picking out an insurance policy that they can purchase.
There is also another insurance provider called American General (AIG) that offers some amazing GUL life insurance policies with cashback and living benefits. This insurance carrier is great when you want your spouse to be protected with income on top of the final funeral costs.
Does Life Insurance for People Above 75 Years Still Exist?
Everyone knows that money does not grow on trees and one must not waste it by purchasing expensive life insurance policies without considering their options first. Speaking to our experts will help you in your hunt for the cheap and best life insurance policy that will cater to your needs. You must be educated on the contrasts between whole life and term insurance policies if you are to succeed in this endeavor.
Traditional whole life insurance policies have been around for a good while. Despite their popularity in the market, however, they might not always be the best way to go unless you are looking for insurance to cover just the burial. The cash value in this type of policy has very little time to grow, so this insurance will not cover much else.
We strongly advise that the best life insurance policy for you, if you are over 70, is the GUL life insurance policy. Additionally, whole life insurance policies will not provide a face amount of more than $50,000 in almost all cases.
Is It Possible to Get No Medical Exam Life Insurance if I Am Above 75 Years?
It gives us great pleasure to tell you that some insurance providers offer life insurance for elderly people up to the age of 80 years. If you are someone who worries that health issues like multiple sclerosis and/or diabetes will affect your life insurance coverage, choosing the no exam term life policy will be the best option for you.
While many people may regard you as a high-risk individual (what’s life without risk anyway?), this insurance policy would benefit you as it will have you sorted. However, there is a catch. If you are over the age of 75 and are suffering from a major health issue that is beyond control, believe it or not, the best insurance carriers will not be able to aid you. In this case, the best option would be to go for the funeral policies that are offered to people over the age of 75.
It comes as an advantage that the No Medical Exam Life Insurance policy has fast coverage and a less strict acceptance rate. Your insurance coverage will begin in a matter of days. If you are someone who wants to start getting insurance coverage within a few days, this would be the best course of action for you.
There are low coverage limits that come with this kind of insurance policy, and the high prices are no picnic either. So unless you’re someone who NEEDS the no medical exam feature, it is best to go for a life insurance policy with a medical exam that will take only 30 minutes of your precious time.
Here is what we offer to our beloved customers if they approach us:
● FREE ACCURATE QUOTE in less than 5 minutes
● NO upselling and NO obligation
● NO high-pressure sales, EVER!
● Expert advice from an award-winning agent with over 25 years of experience in the market
Some Important Aspects of the No Medical Exam Life Insurance Policy for Elders above 75 years of age
You might have been lead to believe that no medical exam life insurance policies for people over the age of 70 are a myth, or worse, part of some scam. But here are quite a few insurance providers that will offer you this no medical exam policy provided you don’t live in a nursing home of some sort.
It is a general trend among senior citizens to not want to go through medical exams as they believe that this course of action would get them the maximum health coverage. This may be due to a reason as small as a fear of needles or something major such as diabetes. If you want to go in for guaranteed coverage, not going ahead with a medical exam would be a smart option. Keep in mind that this policy is more costly than standard life insurance policies.
A key feature of the no medical exam life insurance policy is speed. You can get your insurance coverage quickly, especially if you think your days are numbered.
People closing in on the age of 60 who are looking for a life insurance policy would benefit from looking at policies with a term of 20 years as this is the cheapest option. If you are above the age of 60 and are looking for the same, you will not find a policy with a term of 30 years.
If you want to know the no medical exam life insurance rates for people over 75 years of age, the following data tables should help you understand the scenario.
Female, 75 years: No Medical Exam Life Insurance Rate
|Insurance Carrier||Face Amount||Product||Monthly Rate||Annual Rate|
|American-Amicable||$50,000||Term Made Simple 10 – No Exam||$88.97||$988.50|
|Foresters||$50,000||Your Term 10 -No Exam||$131.51||$1,503.00|
Male, 75 years: No Medical Exam Life Insurance Rate
|Insurance Carrier||Face Amount||Product||Monthly Rate||Annual Rate|
|American-Amicable||$50,000||Term Made Simple 10 – No Exam||$130.28||$1,447.50|
|Foresters||$50,000||Your Term 10 -No Exam||$174.43||$1,993.50|
Just looking for the cheapest option when purchasing term life insurance may not be the smartest choice. When you are over 75 and are looking for a life insurance policy, it is crucial to keep an eye out for policies that also have the most features included in the whole package.
From the scenario presented in the above data tables, it can be seen that American-Amicable is the cheaper option. It cannot be ignored, however, that the product offered by Foresters is a better product due to its features.
If you are just over the age of 70 and are looking to purchase a no medical exam life insurance policy, you will be pleased to know that Foresters offer a face amount of up to $150,000 for your age category.
There is an additional feature in Foresters insurance policy called the Critical and Chronic Illness Rider. This rider will give customers access to the death benefit without them actually dying if they need the money for illness treatment. This rider is also called Living Benefits.
When you are old, you might find that this feature could be your knight in shining armor on a bad day. There is also another feature called the Family Health Benefit rider that is just the cherry on top of this wonderful cake. This rider comes in handy when disasters that are beyond one’s control, such as earthquakes, tsunamis, and tornadoes.
The approval time for the quotes of no medical exam life insurance for elders over the age of 70 is also extremely quick, so your coverage will begin in no time!
What if I want a Burial Policy after the age of 75 years?
Before you go about picking out a funeral plan for yourself, it might be best to consult a close family member regarding what needs to be done and how much it will cost. This might be a difficult conversation to have but it will eliminate trouble in the future. No matter how you choose to go about it (with burial or cremation), getting funeral costs insured is always the smart way to go.
This becomes all the more pressing if you have crossed the age of 75. Here is a list of the 10 best Burial Carriers that will aid you in this endeavor:
|1||Foresters (Plan Right)|
|2||United Home Life (UHL)|
|3||Sentinel Security Life (New Vantage 1)|
|4||Mutual of Omaha (Living Promise)|
|6||Gerber Life (Guaranteed Issue)|
|7||Royal Neighbours of America|
|8||AIG (Guaranteed Issue)|
|9||Liberty Bankers Life|
|10||AETNA (until 89 years of age)|
The insurance companies listed above provide life insurance policies for elders as well as other kinds of life insurance policies. The underwriting that will be taken by these companies will be in the likes of the one taken for health insurance for the same age group.
Do keep in mind that most burial policies don’t offer death benefits higher than $25,000, so prepare accordingly. One must not be hasty with these decisions as they are extremely important. Be sure to thoroughly evaluate your options before arriving at a decision.
We have given you a list of the best burial carriers out there, but there is more work that needs to be done. Call us, and we’ll take note of your requirements while determining which policy from which insurance carrier would be the best one for you.
As you may already know, the strictness of the underwritings will only increase with age no matter how healthy you are. One important factor which determines how strict an underwriting can get is, of course, the mortality age. Always keep your health in check by visiting the doctor’s office regularly.
If you snooze, you LOSE!
What determines whether someone above 75 years has a high-risk lifestyle?
A history of DUI is one factor that could determine that someone has a high-risk lifestyle. These risk factors greatly affect insurance coverages, all the more so when the customer is an elderly person looking for life insurance over 75.
At 75 years or above, people are looking for permanent life insurance policies because they do not want to bother with it again. It is mostly a one and done experience in these situations, which means that there cannot be any do-overs. So, choose carefully.
If you are beyond the age of 75 years, make a decision as soon as possible regarding life insurance. If not, you will watch the price go up in increments of at least 50% each year you delay it.
What You Should Know About the Guaranteed Life Insurance for People Above the Age of 75
Remember, Guaranteed Life Insurance (GI) is different from Guaranteed Universal Life (GUL) insurance. Don’t mistake one for the other. Now, let’s get on to what Guaranteed Life Insurance is.
Guaranteed Life Insurance (GI), which is also called Guaranteed Issue Whole Life Insurance, is one policy that has a waiting period of 2 years along with an upper limit of $40,000 on insurance coverage. This is a small graded whole life policy.
People who have underlying health concerns that can cause them to be denied life insurance can purchase Guaranteed Life Insurance. There are elevated premiums as well as low death benefits in this policy. Purchasing this policy does not contain many steps as there is no requirement for a medical exam, so it is not at all tedious.
It is a bit of a catch that the policy must be held in the customer’s name for a minimum period of 2 years before they can avail of death benefits, but it is always better to go for some life insurance policy rather than none at all. Despite the elevated premium rates, this insurance policy would be beneficial to you if you are someone suffering from some pre-existing medical condition and have a few more years of fight left in you.
Always remember that by buying life insurance, you are preventing your family and friends from being burdened with the expenses of your funeral. Purchasing Guaranteed Life Insurance if you are just over the age of 60 would be beneficial as you would be more than 15 years away from the mortality age.
If you are over the age of 78 and want a GUL policy, the following data table, which illustrates the price of a $100,000 policy for a female who is 78 years old and in prime health, should help you.
|Insurance Carrier||Face Amount||Product||Per Month||Per Year|
|Protective||$100,000GUL Age 90||Advantage Choice UL A90||$316.10||$3,667.06|
|AIG||$100,00095 Year UL||Secure LifeTime GULIII to 95||$349.21||$3,991.00|
|AIG||$100,000100 Year UL||Secure LifeTime GULIII to 100||$371.26||$4,243.00|
|Protective||$100,000GUL Age 105||Advantage Choice UL A105||$441.42||$5,126.80|
|Protective||$100,000GUL Age 110||Advantage Choice UL A110||$480.14||$5,576.59|
|AIG||$100,000121 Year UL||Secure LifeTime GULIII to 100||$414.57||$4,738.00|
Life Insurance Above 75 Years: What to Expect When You’re Expecting
Almost all of the best insurance providers out there hold the assumption that people would live up to the age of 90 years. The life insurance policies for people above the age of 75 can be cost-effective with terms of coverage of anywhere between 10 to 15 years.
The above will be possible for people who do not have any major health concerns, of course. IF you do, however, have health concerns, the premium rates will be affected. This will end up having an effect on your coverage as well.
In order to find out what might be the best for you, make sure to take your time to do the research. You can look at our online resources to figure it out and speak to one of our experts. We aim to find the right fit for you as we want nothing but the best for you.
Here is what you must consider before purchasing an insurance policy for funeral expenses: The median costs for burials range from $8,000 and $12,000. The costs for cremations range anywhere from $1,500 to $5,000. After figuring out how you want to go about things, determining the best Burial Insurance package for you will become much easier.
Are you looking for affordable life insurance for people between 75 and 80 years of age? Below is information that will help you out. Keep in mind that these rates are for healthy individuals.
These are the rates from one mystery carrier that only we know of. All you have to do is call us, and we’ll let you in on the secret!
10 Year Term Insurance Policy Rates for Females Between 75 and 80
|Age (years)||Insurance Coverage||Premium per Month||Premium per Year|
10 Year Term Insurance Policy Rates for Males Between 75 and 80
|Age (years)||Insurance Coverage||Premium per Month||Premium per Year|
Before You Apply
As we reach the end of the article, it is important for you to be educated on the last thing you need to know before you apply for life insurance over the age of 75: the health impairments that will affect your insurance coverage.
These impairments include Sleep Apnea, Epilepsy, Diabetes (Types 1 and 2), Atrial Fibrillation, Cancer (Survivors), and Bipolar Disorder. If you want to know more details, feel free to contact us and we will put you in touch with an expert regarding the same.
That’s all for now! Start calling us and we will help you out. Here’s to getting the life insurance over 75 policy that you deserve!
Frequently Asked Questions (FAQs)
Is it possible for a person above 75 years of age to get their life insured?
Yes, very much so! You might find that some pre-existing health conditions would dictate stricter underwritings, but you can rest assured that there is something for everyone in this age category!
What is the maximum age limit for purchasing life insurance?
Life insurance can be purchased up until the age of 89. However, carriers that offer insurance packages up to this age are limited as most insurance providers do not go beyond the age of 85.
Is it possible for a person of 85 years to get their life insured?
Yes, there are quite a number of options of insurance carriers available that offer life insurance policies for this age category. A GUL insurance policy would be the best one to go for if you are of this age.
Why should one get their life insured?
In order to prevent your loved ones from being burdened with financial worries upon your death, you must go for life insurance. These insurance policies take care of everything from your funeral expenses to the division of your estate.
How expensive is life insurance?
Contrary to popular belief, life insurance is not all that expensive. The recommended age is 50-60 years, but don’t worry if you’re over 75 years either. There are still plenty of options out there for you!