45 years old, now buy insurance. Many types of insurance have relatively high premiums. The insurance premium for returning to the original shape will be upside down. It is recommended to buy a lifelong serious illness, the payment period is 20 to 30 years, and the insurance amount is about 200,000. May be underwritten, physical examination.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.