You have to be between the ages of 18 and 59 to purchase 1Life Disability Insurance. Your cover level will decrease from your 60th birthday until five years before you turn 65 or your selected retirement age, whichever is earlier. Note that there are some exclusions, or conditions under which claims might be rejected, for instance if you take part in dangerous sports or activities. These are listed in the policy schedule, so be sure to take note of them.