The funeral, handled
Final expense coverage sized to the real cost, so your children never pass a hat or pull from savings in the worst week of their lives.
Who we serve · Grandparents
Life insurance for grandparents
You’ve spent a lifetime taking care of everyone. Life insurance is how grandparents make sure the last chapter is handled with the same care — the funeral covered, a legacy for the grandkids, and no bill ever landing on your children.
Why it matters
What life insurance does for grandparents
For most grandparents, the honest goal is simple: make sure saying goodbye never becomes a financial burden on the kids. Funerals routinely run well into five figures once the cemetery and the extras are counted, and that bill arrives in the worst week of a family’s life. A final expense policy — sized to that number, with a premium that never rises and a benefit that never expires — takes it off the table for good.
Then there’s the legacy layer. Many grandparents want to leave something specific: a first car, a semester of college, a down-payment nudge for each grandchild. A permanent policy with named beneficiaries does exactly that — income-tax-free, typically bypassing probate, arriving in weeks rather than through months of courts.
And a growing number of grandparents are raising their grandchildren outright. If that’s you, the math changes: you need real income-replacement coverage, sized like any parent’s — because those kids depend on you the way they would on a mom or dad. We’ll be honest about what’s available at your age and health.
The case for owning your coverage
Why grandparents get covered
A legacy with names on it
Name each grandchild as a beneficiary — a specific, tax-advantaged gift that arrives when they need it, outside probate.
Lock a level premium
Whatever age you lock it, the rate is frozen. No birthday increases, no re-qualifying, ever.
Raising grandkids? Real protection
Custodial grandparents need coverage sized like a parent’s — and there are honest paths at every age.
Coverage that fits
Options worth comparing
Age and health decide the real winner — a few basic questions let us quote you accurately across dozens of A-rated carriers.
Final expense
Simplified-issue whole life sized for the funeral and final bills — no exam, level premiums, coverage for life.
Learn more →Whole life
Permanent coverage for the legacy layer — a named gift to each grandchild.
Learn more →Children’s life
Grandparents can often buy small permanent policies on grandchildren (with the parents’ consent) that lock in insurability for life.
Learn more →Seniors over 70
The honest picture of what’s available in your 70s — and what to skip.
Learn more →Questions we hear
Grandparents life insurance FAQ
Can a grandparent buy life insurance on a grandchild?
Often, yes. Many carriers allow grandparents to purchase small permanent policies on a grandchild with the parents’ knowledge and consent — typically a children’s whole life policy that locks in insurability and builds modest cash value for life. Rules vary by carrier and state; we’ll walk through the specifics.
What’s the best life insurance for grandparents over 70?
For most, final expense whole life: it’s built for the job (funeral plus final bills), issued to age 85 by multiple A-rated carriers, no exam, and the premium never rises. If the goal is a bigger legacy or you’re raising grandchildren, larger whole life or short-term policies may fit — we’ll tell you honestly what’s available at your age and health.
I’m raising my grandchildren — what coverage do I need?
Size it like a parent would: housing, daily costs, and education for each child through adulthood. Depending on your age, that may mean a term policy (commonly available into the 70s), whole life, or a combination. Name a guardian and coordinate the beneficiary arrangement — usually a trust or custodian for minors — so the money reaches the kids the way you intend.
Is the payout to my grandchildren taxable?
Life insurance death benefits are generally free of federal income tax to the beneficiary, and because they pay directly to the named person, they typically bypass probate. For minor grandchildren, the benefit usually pays to a custodian or trust until they reach adulthood — a simple thing to set up correctly now. This is general information, not tax or legal advice.
No-pressure quote
See what coverage looks like for your family
Tell us a little about yourself and we’ll reach out with honest options — no obligation, no jargon.
- Independent — we compare multiple carriers
- Plain answers, no pressure
- Coverage built around your real needs