There are life insurance plans available for people over 80 years of age.
Depending on the life insurance carrier, seniors over 80 may be able to purchase permanent life insurance, term life insurance, or guaranteed issue life insurance coverage.
Permanent life insurance (fully underwritten) will require you to take a physical exam and have the highest premium charged for your policy.
Whereas, a term life insurance policy for 5 or 10 years of coverage may cost less and could be easier to qualify for a plan.
In addition, there are guaranteed issue life insurance policies that guarantee your acceptance if you are age 45 to 85. These plans do not require any health exam, and they do not ask any questions about your health.