The future is uncertain and can't be predicted, but you can make backup plans, especially when it comes to life insurance ... but this chart helps you get an idea about rates.

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Like all life insurance shoppers, seniors need affordable rates, low policy costs and reliable policy illustrations from a company they can trust. Our selections of the top companies for seniors ...

Matt Richardson is the senior ... how valuable life insurance can be for your unique situation will require you to get started. So start shopping around for providers to see what rates and terms ...

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Guardian Life ... to seniors, taking into account our star ratings for each company, as well as policy features like the maximum issue age. Here are our top picks. 1,413 life insurance rates ...