Your current age is important in choosing your next life insurance. The older you are, the longer you will be going to determine what you will pay in the long or medium-term for premiums. In fact, if you die around the age of 70 and have only provided for term life insurance up to age 65, you will have virtually nothing to present to your heirs. On the other hand, if you have taken out a permanent life insurance policy, no matter when you die, your estate will receive the amount of insurance due to good planning on your part. The price of life insurance will change depending on the time you want and how old you think you no longer need it. Will you go with a permanent or temporary protection based on your life expectancy? In any case, such a product will benefit you throughout your life (serious illness, travel, long-term care ) when you need it. Paying now for these benefits is worth a lot to receive future benefits for you or your heirs.