When Is It Too Late To Get Life Insurance? 
As a practical matter , it is too late to obtain individual life insurance when you are uninsurable or age 85 , whichever comes first . There are a couple of insurers with rates between ages 86 and 90 but the premiums are not economical . There are ways to find life insurance protection for final expense purposes without proving one is insurable but the death benefit is reduced in the first two years and the premiums are quite high . So , we have solutions such that it is never really too late but it will come down to a combination of insurability , outlay , benefit terms and age . 