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Until what age should you take out life and health insurance?

Can you take out life and health insurance at any age?

Certain financial institutions allow you to take out individual life insurance up to a maximum age of 79, and there's no limit on the term of the policy.

Even elderly people in poor health can take out life insurance. Insurers are usually able to evaluate a person's general state of health through questions on the application form. In some cases, a more in-depth medical questionnaire, a medical report or blood tests may be required.

Other important facts to consider

Many insurance policies can be purchased without a medical exam. Keep in mind that these policies are generally more expensive than regular policies. What's more, they sometimes involve long waiting periods, during which the benefits for certain insured risks are not payable. In other words, this insurance is not payable upon death until the policy has been in effect for at least 2 or 3 years. If the policyholder dies before the end of this waiting period, the insurer simply refunds the premiums already paid.

Meet with a financial security advisor for advice on the best life and health insurance coverage for your situation.

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