Experts say that there are about 40 million Americans above the age of 65. While by the time they get to this age many people have bought life insurance, there is still a large number out there who have not. There are those who start thinking about it when they get to this age, as the thought of dying becomes more of a reality. People buy over-65 life insurance to make sure that their loved ones can continue enjoying the lifestyle they are used to. Life insurance benefits can be used to pay for a mortgage, other purchases such as cars, and also to pay for daily expenses. There are people who buy insurance in order for the benefits to be used to pay for hospital bills, as well as the cost of their funeral. Medical bills and funeral expenses can be a big financial burden to one's dependants, and it is important to have insurance that can help to ease the financial load. There are those who buy insurance as a way to give a gift to their favorite charity, or religious centre. Buying life insurance for people over-65 has been made easy by online services. It is now easy to get quotes from leading insurance companies in the country. The quotes are free and they can be accessed within seconds. Traditionally, shopping for insurance was complicated and time-consuming. The process of trying to sift through rates and information from different companies was daunting and complicated. The sites have made the process easier. By answering a few questions, one is able to get the free quotes from reputable companies. Putting off buying insurance because of the complicated process is no longer a valid excuse. It is never too late and those over 65 should not get discouraged as there is a policy that caters for them. While it is common knowledge that younger people have more options, seniors also have options that are tailor-made for their needs. The options are made to suit all income levels, and health conditions. As people get older, they often have many health complications. There are some who have failed to find insurance because of these complications. The online sites help these people to find insurance companies that are willing to cover them. People over 65 are able to exercise their options through comparison shopping. Those using the online sites should note that they have no obligations to buy the policies, or choose the lowest bidder. The choice is up to the person who is free to choose the policy that best fits his or her needs. Age is no longer a barrier to buying life insurance.