At what age is life insurance not worth it?

Age at which life insurance is not worth it depends on financial situation, dependents, and debts, but generally after age 70 to 80, or when you are financially independent with no dependents and enough assets to cover final expenses, traditional large life insurance may not be worth cost. For most people, life insurance is most worth it when young with dependents, mortgage, and income to replace, and becomes less worth it as you age, pay off mortgage, children become independent, and retirement savings grow, reducing need for income replacement. If you are 70 plus, retired, no mortgage, children independent, and have savings to cover funeral costs of 10k to 20k, paying high premiums for large term policy may not be worth it because premiums at that age are very expensive and may exceed benefit. However, life insurance may still be worth it at older ages for specific purposes like final expense insurance to cover funeral and avoid burden on family, estate planning to leave legacy or pay estate taxes, or if you have dependent spouse or special needs child who will need support after you die. Small final expense whole life policy of 10k to 25k is often still worth it even at 75 to 85 to cover funeral. So life insurance not worth it when you have no financial dependents, no debts, enough savings for final expenses, and premium would strain retirement budget, typically after 70 for many, but always evaluate personal needs rather than age alone.