Let's think about life insurance from a different perspective--age is not the criteria, responsibilities are. The pure life cover term insurance is for the family. It is for your dependants. It doesn't matter if you are a man or a woman, whether you are in your 20s or in your 50s; if there are liabilities and responsibilities (especially financial) then you should get a term insurance. Let's test why it's never too late to buy a pure life cover.