Is 52 too old to get life insurance?

52 is not too old to get life insurance, you can still get term, whole, and final expense life insurance at 52, though premiums will be higher than at younger ages due to increased health risks. At 52, you have many options, 20-year term life policy can cover until age 72, 15-year term until 67, which is good if you still have mortgage, children in college, or income to protect. Whole life and universal life are available at 52 and provide lifetime coverage with cash value, useful for final expenses and estate planning. Guaranteed issue life insurance is available with no medical exam, though more expensive and lower coverage. Cost at 52 depends on health, for healthy non-smoking 52-year-old, 20-year term 500k policy might cost 80 to 150 dollars per month, while for smoker or with health issues, cost higher. You should get life insurance at 52 if you have dependents who rely on income, mortgage or debts that would burden family, or want to cover final expenses and leave legacy. If you are financially independent with no dependents and enough savings to cover final expenses, you may not need large policy, but small final expense policy of 10k to 25k may still be worthwhile for funeral costs. So 52 is not too old, many people get life insurance at 50s, though earlier is cheaper, it is still attainable and valuable for protection.