Independent Brokers — Multiple Carriers
Free Consultation & Advice
No Pressure. No Medical Exam Options.
Google Reviews
★★★★★
Rated 'Excellent' 4.8/5 (247+ Reviews)
Google Reviews
Rated 'Excellent' 4.8/5 (247+ Reviews)
Trusted Carrier Partners
Trusted Carrier Partners
It only takes about a minute!
Life Insurance For Seniors & Adults Over 50
Answer a few quick questions and speak to a specialist today.
Independent Brokers
Top-Rated Carriers
Trusted By Families
Independent Brokers
Independent Brokers
Independent Brokers
Rated 4.8/5 (4,426+ Reviews)
Rated 4.8/5 (4,426+ Reviews)
Compare Life Insurance Options For Seniors & Adults Over 50.
We shop dozens of top-rated carriers so you don't have to. Whether you need final expense coverage or full life insurance — we find the right plan for your budget and health situation.
Access To Multiple Top-Rated Carriers
We Don't Sell Your Details
Speak Directly To Our Licensed Agents
No Pressure & Hassle Free
Free Service & Consultation
★★★★★
Google Reviews
Rated 'Excellent' 4.8/5
Independent Brokers
Top-Rated Carriers
Trusted By Families
Independent Brokers
Independent Brokers
Independent Brokers
Rated 4.8/5 (4,426+ Reviews)
Rated 4.8/5 (4,426+ Reviews)
Compare Life Insurance Options For Seniors & Adults Over 50.
We shop dozens of top-rated carriers so you don't have to. Whether you need final expense coverage or full life insurance — we find the right plan for your budget and health situation.
Access To Multiple Top-Rated Carriers
We Don't Sell Your Details
Speak Directly To Our Licensed Agents
No Pressure & Hassle Free
Free Service & Consultation
★★★★★
Google Reviews
Rated 'Excellent' 4.8/5
How To Get Life Insurance For Seniors
It only takes a few minutes to get started.
Answer A Few Quick Questions
Tell us a little about yourself and what you're looking for. No medical exam required to get started.
We Shop The Market For You
Our licensed agents compare dozens of top carriers to find the best plan for your age, health, and budget.
Get Covered
Choose your plan and get protected — on your terms, at your pace, with zero pressure.
Call for a quote today
Here's What Makes Us Different
Independent Brokers
We don't work for the insurance companies — we work for you.
Multiple Top-Rated Carriers
Access to dozens of carriers so you get the best plan for your situation.
3 Ways To Get Covered
Fully underwritten, express issue, or guaranteed issue — we have options for everyone.
Education First
We explain everything in plain English so you can make the best choice.
Ongoing Support
Not just a policy — a long-term relationship. We're here when your needs change.
All Types Of Life Insurance Available For Seniors
No matter your age, health, or budget — we have a solution for you.
Final Expense / Burial Insurance
Simple, affordable coverage to protect your family from end-of-life costs. No medical exam required.
Term Life Insurance
Affordable protection for 10, 20, or 30 years. Ideal for covering a mortgage or income replacement.
Whole Life Insurance
Lifetime coverage that never expires and builds cash value over time.
Guaranteed Issue
Acceptance for nearly everyone regardless of health. No medical questions, no exam, no rejections.
Why Exodus Benefits?
We're not your average life insurance company.
Passionate team that truly cares about protecting families
Access to dozens of top-rated carriers
Plans tailored for every stage of life and every budget
Fast, friendly, and pressure-free experience
From $2,500 in coverage all the way up into the millions
Carriers We Work With
As independent brokers, we shop across all of these top-rated carriers to find your best plan.
Trusted Carrier Partners
Carriers We Work With
As independent brokers, we shop across all of these top-rated carriers to find your best plan.
Trusted Carrier Partners
Why Families Choose Exodus Benefits Over Captive Agents
| Feature | Captive Agent | |
|---|---|---|
| Shops multiple carriers | ✔ | ✘ |
| Works for you, not the insurer | ✔ | ✘ |
| No medical exam options | ✔ | Rarely |
| Guaranteed issue plans | ✔ | Rarely |
| Coverage for pre-existing conditions | ✔ | Limited |
| Free consultation | ✔ | Sometimes |
| Pressure-free experience | ✔ | ✘ |
Why Families Choose Exodus Benefits Over Captive Agents
| Feature | Captive Agent | |
|---|---|---|
| Shops multiple carriers | ✔ | ✘ |
| Works for you, not the insurer | ✔ | ✘ |
| No medical exam options | ✔ | Rarely |
| Guaranteed issue plans | ✔ | Rarely |
| Coverage for pre-existing conditions | ✔ | Limited |
| Free consultation | ✔ | Sometimes |
| Pressure-free experience | ✔ | ✘ |
Our Best Price Guarantee
We're independent brokers — so we shop the entire market on your behalf. If we can't find you the best price for your coverage, we'll tell you.
We compare dozens of top-rated carriers side by side
You get the lowest rate your health and age qualify for
No markups, no hidden fees — our service is 100% free
If another broker beats our price, we'll find you something better
Rated Excellent By The Families We Protect.
Real reviews from real clients.
"Heather made the whole process so easy. I was nervous about getting coverage at my age but she found me a great plan with no medical exam."
"No pressure at all. They explained everything clearly and I finally feel like my family is protected. Couldn't be happier."
"I have a pre-existing condition and thought I couldn't get life insurance. Exodus Benefits found me a guaranteed issue plan the same week."
"I wasn't sure I could get coverage because of my health history, but Heather found me a guaranteed issue plan within a few days. The process was smooth and completely pressure-free."
"Heather took the time to explain every option clearly. I never felt rushed or pressured. She genuinely cared about finding the right plan for my budget. Highly recommend!"
"As a 67-year-old with diabetes, I thought life insurance was out of reach. Exodus Benefits proved me wrong. They found me a great plan and my family is finally protected."
It's More Than Just A Policy
Protect The People
Who Matter Most.
No matter your age, health, or financial situation — Exodus Benefits has a life insurance solution for you. Our independent agents work for your family, not the insurance company.
Funeral & burial cost coverage
Income replacement for your loved ones
Mortgage & household debt protection
Legacy & wealth transfer for your family
★★★★★
Google Reviews
Rated 'Excellent' 4.8/5
Common Questions From Seniors About Life Insurance
We answer the questions we hear most.
Can I get life insurance if I have a pre-existing medical condition?
Yes. We work with carriers that offer guaranteed issue and express issue plans that accept nearly everyone regardless of health history. Your condition does not automatically disqualify you — that's why it's important to work with an independent broker who can shop multiple carriers.
Do I need a medical exam to get covered?
Not necessarily. Many of our plans — including final expense and guaranteed issue policies — require no medical exam at all. We'll help you find the right plan for your situation, with or without a medical exam.
How much does life insurance cost for seniors over 50?
Costs vary based on your age, health, tobacco use, and the type and amount of coverage you choose. Final expense policies can start as low as a few dollars a day. The best way to find your rate is to answer a few quick questions and let us shop the market for you.
What is the difference between final expense and term life insurance?
Final expense insurance is a permanent whole life policy designed to cover end-of-life costs like funeral expenses — it lasts your entire life and is easier to qualify for. Term life covers a set period (10, 20, or 30 years) and is typically used to replace income or cover a mortgage. Our agents will help you choose the right fit.
How does Exodus Benefits find the right plan for me?
As independent brokers, we're not tied to any single insurance company. We gather information about your health, budget, and coverage goals, then shop across dozens of top-rated carriers to find the best plan for your specific situation — at no cost to you.
What happens after I submit my information?
One of our licensed agents will contact you to review your options, answer your questions, and help you find the right plan. There's no pressure and no obligation — just personalized guidance from someone who works for you.
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Exodus Benefits is an independent insurance broker. Not affiliated with any single carrier.