The life insurance for seniors has been designed in a way so that the senior citizen can get the most out of it. The seniors in the country are always respectable persons and they deserve some more care in older age. Thus some insurance providers have designed some plan which is dedicated for them. But the insurance market is very competitive and thus sometime it becomes very difficult to choose the right one. You also should be very careful while choosing a plan as a matter of fact some providers creates a trap. You might see that you are spending more money as premium and other additional service than initially planned. Some insurers take help of alluring advertisers on TV or banner outside the home. They actually show more than the plan's original features. As a result a lot of seniors buy them without thinking too much and eventually lost a lot of money. Just think about a senior over 80, does he have enough stamina to find a decent plan? He does not and thus it is important to send the right information to the people who are over 80 years old. Maybe the insurers should look to provide more benefits for them without thinking much about their business benefits. But actually, this happens rarely when a business is thinking much about the client and less about profit.

But having said that I have to admit that there are still plans available which feature life insurance for seniors over 80. The providers usually provide a plan till 89 years. But as expected the premium rate would be quite high. Not only this, some providers would not pay anything for the first couple of years. So, if you die within this period, then you have a small chance to get any death benefit from them. In this situation a term life insurance for 20 years or whole life insurance would be profitable for you. Actually at 80, the premium of term and whole life insurance would be almost same. So, you can choose either one. It is probably better to choose permanent insurance, because with term insurance if you don't die within the term say for instance after 10 years you would be 90, then you won't get another opportunity to renew the insurance program. So, senior life insurance for over 80s is available in the market, but it would definitely cost you more than others and coverage will be limited.