You can take out this coverage between the ages of 50 and 75. Once you're insured, your coverage will remain in force for the rest of your life. This means that provided you continue to pay your premiums, your beneficiaries will receive a benefit payment no matter what!
What are you waiting for? The younger you are when you take out this coverage, the lower your premium will be!
Use the premium calculator to see how much it will cost.