A frequent question we get involves the different life insurance rates by age, by gender, and by type. At 14 days old, a parent can buy life insurance on their child, and seniors can buy life insurance up to age 85 with a vast majority of carriers, depending on the type and amount being sought; we have heard of annually renewable terms up to 90, but don't offer them. With the youngest and oldest, a suitable reason for the benefit and proper health requirements are essential.