When Is It Too Late To Get Life Insurance? 
There are some medically underwritten policies that offer life insurance up to age 90 but the insured person must have good health to qualify for such a policy , and rates are very high . The older the applicant , the more underwriting requirements are added -LRB- e.g. possible EKG or physician exam -RRB- for a medically underwritten policy of a large face amount . Many seniors decide to purchase smaller final expense type policies that do not require an exam . 