Hi Celeste,

The reason why it's hard to find life insurance for an 82-year-old in New York is that you have a severe lack of options. 

Insurance companies choose which states they want to offer a product in. In the case of New York, most companies avoid the state entirely. Additionally, the existing ones in New York often only accept new applicants up to age 75. For example, Colonial Penn and Mutual of Omaha both offer guaranteed acceptance life insurance to applicants up to age 85 in all states, but in NY, it's 75. 

The question is, why is this happening?

New York regulators are under the false impression that the more rules and regulations they impose on insurers, the better off their constituents are. They are wrong, and the result of their false beliefs is that New York residents have far fewer options than other states because insurers avoid NY like the plague.

With all this said, we can get a new policy for an 82-year-old in New York. You can use our quote tool to see the prices or call us to speak with an agent: https://choicemutual.com/get-quote-now/

You can also check out the following article to learn more about getting coverage in New York: https://choicemutual.com/blog/burial-insurance-new-york/