Most of the insurance companies consider age as a high-risk factor in insurance. Therefore, the older one gets, the higher they can expect their premiums to be. Age is considered a high risk factor by insurance companies because the older one gets the more they become prone to many diseases associated with getting older. Although there is nothing you can do about changing your age, you can benefit from lower premiums when you choose the right company and embrace a healthy lifestyle. You can decrease your premiums and improve your insurance ratings by losing weight and adhering to a healthy diet. The reasons why an affordable senior citizens life insurance cover is recommended include:· Hassle free process of getting insuranceIt is possible to secure an affordable insurance policy for seniors through a simple and easy process that is hassle free. You are expected to respond to a few basic questions pertaining to your age, current health and past health condition. Based on this information, the insurer will decide the premiums payable. What you need is to find a service provider who provides affordable insurance services. Online processes are particularly quick and fast- you can expect to receive a response within minutes of submitting your application. You stand to benefit from a wealth of information about different products available for seniors.· No medical examSeveral leading insurance companies specialize in providing affordable insurance for senior citizens without demanding a medical test. Therefore, if you are over 50 years and have pre-existing medical conditions, you can purchase a whole life or term insurance policy. Many of the traditional insurance providers are reluctant to provide coverage to older people who have one or several medical conditions like heart disease, diabetes, high blood pressure, etc. Furthermore, the conventional insurance providers may subject buyers to a medical exam to assess the risk in providing coverage to them. Fortunately, several service providers offer affordable coverage with no medical exam.· Cover medical & hospital billsWhen you grow older, you can expect to fall ill several times during your lifetime. Therefore, high medical are a common expense that must be budgeted for. Therefore, the seniors insurance helps to provide coverage for medical as well as hospital bills when you retire. This is very important because it ensures the medical bills will be catered for when you need them the most. Therefore, you will not have to use your life savings to pay for your hospital bills. This will also ensure your life prolonged through better healthcare opportunities.