Except for small markets, there are no such advertisers. I asked recently
about LA and how many agency buys targeted 55+ and was told, "none."
There
are no advertisers who want 55+ in the significant radio metro areas.

So when stations advertise term life, prepaid burial policies, etc.
they're going after the youngsters?

Stations aren't going after the older demo...it's a few specialized
advertisers using the closest station they can to reach their
target...ultimately on a station that is not targetted to them.