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The 2026 Bill Payer Preferences Report: A Closer Look at the 65+ Customer

In our third annual bill payer research study, we surveyed 1,000 US adults age 65 and older to find out how they actually pay their bills, and what we found should change how you think about this demographic.

Why This Resource Matters

Every customer you move to digital payments is one less paper statement, one less mailed check, and one less manual reconciliation. For a demographic long assumed to resist that shift, the data shows the opposite: 65+ customers are engaged, capable digital users who just need a few of the right nudges, guest checkout, scheduled payments, clearer security messaging, to close the remaining gap.

Seventy-five percent have been paying bills online for five years or more and 81% regularly use self-service digital channels. Your 65+ customers didn’t wait to be convinced. They’ve already adopted digital payments largely on their own terms.

The real opportunity now is reaching the remaining 19%, and the barriers holding them back are more addressable than you’d expect.

What's Inside

This report breaks down exactly how 65+ customers pay today, what’s still stopping some of them from going fully digital, and what your organization can do about it, including:

  • How 65+ customers prefer to pay, and why bank bill pay adoption is climbing fast
  • The real reasons behind lingering paper check use, especially among property and county tax payers
  • What’s actually behind security hesitation (hint: it’s confidence, not bad experiences)
  • The top motivators for driving more digital payments, from fee-free options to statement credits
  • Where and how this demographic wants to be reached, including notification preferences
  • Eight concrete action items you can put to work right away to grow adoption

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