What is the age limit for buying term life insurance?

There is no single national age limit; each insurer sets its own maximum issue age. Term life coverage is generally available from age 20 into the 60s or 70s depending on the company, while guaranteed issue policies, which ask no health questions, are often available to applicants from age 45 up to age 80. Availability depends on the insurer and the product, so older applicants should compare issue-age limits before applying.