You can get life insurance at nearly any age up to age 90. The age you should get life insurance is probably when you think about it, because that shows that there is something in your life that is causing you to dwell on it.
As a rule, the younger a person is, the less life insurance costs (although sometimes turning age 20 will give you access to better rates than you could get as a child). And even moderate health conditions can double the rates of what a perfectly healthy person can get. So there is an advantage to locking in your rate for a long time while you are young and healthy.
For older persons or those in not so good health, there is never an age like you are at now to take care of this important part of your financial picture.
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As a rule, the younger a person is, the less life insurance costs (although sometimes turning age 20 will give you access to better rates than you could get as a child). And even moderate health conditions can double the rates of what a perfectly healthy person can get. So there is an advantage to locking in your rate for a long time while you are young and healthy.
For older persons or those in not so good health, there is never an age like you are at now to take care of this important part of your financial picture.