Notifications from Aflac

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.


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A Guide to Life Insurance for Seniors Over 80

Although financial needs change throughout life, a life insurance policy can benefit nearly everyone, including seniors over 80. Although you may need to do more research to find an option that fits your needs and budget, there are plenty of policies that can get you the right coverage. Let’s dive deeper into how life insurance for seniors over 80 works, including policy types and factors that impact premiums, to help you find a policy that works for you.

4.5 Min Read

How life insurance for seniors over 80 works

Life insurance for seniors over 80 works like most other policy types, offering a death benefit payout that your family can use for various purposes. However, some of these life insurance policies are designed specifically for older adults to help cover final expenses and help provide financial support for loved ones in their absence.

Types of life insurance policies for seniors over 80

There are several types of life insurance available for seniors:

Term life insurance

Term life insurance for seniors over 80 lets you choose a term length of 10 to 30 years, with longer lengths costing more in premiums. This type of policy may be best suited for those with short-term coverage needs.

Whole life insurance

Whole life insurance lasts for life, meaning you don’t have to worry about coverage expiring. This type of policy also comes with cash value that grows with each premium payment. You can borrow against or withdraw from it as it grows. However, keep in mind that premiums for seniors over 80 can be higher.

Final expense insurance

Final expense insurance is a small whole life insurance policy that helps your loved ones cover funeral costs, medical bills, and other end-of-life costs. The death benefit is smaller, with higher premiums per dollar of coverage but lower overall premiums. Plus, this policy comes with cash value, and a medical exam may not be required.

Guaranteed issue life insurance

Guaranteed issue life insurance skips the medical exam and may ask few or no health questions, making it an excellent potential option for seniors. Like final expense insurance, it’s a small whole life insurance policy that offers cash value and low premiums, although you may pay more per dollar of coverage.

Simplified issue life insurance

Simplified issue life insurance provides a middle ground between traditional policies and guaranteed issue life insurance. It offers a quicker application process and no medical exam, but does ask some medical questions. Simplified issue life insurance offers cash value, lower premiums, and smaller coverage amounts.

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Cost of life insurance for seniors over 80

Seniors over 80 may pay more in premiums since they increase with age. A healthy, non-smoking senior could pay $718 to $960 for a 10-year, $250,000 term life insurance policy. Meanwhile, a $40,000 final expense insurance policy can cost $549.31 and $384.12 for men and women over 80, respectively.1

What factors affect the cost of life insurance for seniors?

Several factors can impact the cost of life insurance for seniors:

Age

Premiums generally increase with age. Therefore, seniors over 80 may face higher costs for life insurance. However, shopping around can help you compare quotes and find lower rates.

Gender

Men tend to pay more than women for the same coverage since they have a slightly lower life expectancy.2 This difference tends to widen the premium gap at higher levels of coverage or more expensive policies.

Health

Health is a crucial factor in determining premiums. Personal or family health history of medical conditions could result in higher premiums. Fortunately, you have some level of control over your health. Maintaining good health and demonstrating your commitment to managing any conditions to the insurer could help reduce premiums.

Policy type

Each policy type charges different premiums overall and per dollar of coverage. For example, term life insurance has low overall premiums and is the most cost-efficient. Permanent life insurance costs more due to lifelong coverage and cash value. Meanwhile, final expense and guaranteed issue life insurance cost less, but the small death benefit means you may pay more per dollar of coverage.

Insurer

Insurers vary in their underwriting standards, pricing structure, policies, competition, and financial positions, which impact the price they may charge for a given policy. Life insurance industry competition can help reduce costs, as insurers must compete for your business. This is why shopping for multiple quotes is crucial.

Which type of senior life insurance is right for me?

The right senior life insurance policy for you may depend on your situation and coverage needs:

You want coverage for the rest of your life

If you want lifelong coverage, you can consider getting a permanent life insurance policy. Whole life insurance can provide significant coverage so that your loved ones can receive a large death benefit payout after you pass away. Smaller policies like final expense or simplified issue insurance may be better if you want to skip the medical exam and your loved ones don’t need as much support.

You have debts, such as a mortgage 

Term life insurance can be an excellent option for seniors with outstanding debts, such as a mortgage. You can get a substantial death benefit at a lower cost, making it easier to fit premiums into your budget. However, you may also consider a smaller permanent policy, such as guaranteed issue life insurance, if you have a smaller outstanding balance and want to avoid a medical exam.

You want coverage for end-of-life expenses

Final expense insurance may be the best policy for covering end-of-life expenses since it's designed to help cover these costs. Simplified and guaranteed issue policies can also work, especially if you want a faster application process and easier approval.

Aflac life insurance can get seniors the coverage they need

Life insurance can be more expensive for seniors over 80, since age is a crucial factor insurers consider. However, comparing quotes can help you find the right policy without breaking the bank.

At Aflac, we offer a range of life insurance policies to help seniors get the coverage they need, such as term, whole, and final expense insurance. Contact an agent today to learn more and get a quote.

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Learn more about Aflac products for Individuals & Families: