Seniors can buy whole life insurance, but age and health affect approval and coverage.
Policies typically available up to age **85**; some providers may offer up to age **90**.
Premiums ↑ with age, but coverage lasts for life and includes a cash value component.
Whole life insurance can help cover final expenses and provide living cash value after a waiting period.
Act promptly—delaying may mean higher costs, fewer options, or denial of coverage.