Hello, generally 50 years old, the relative cost of insurance will be higher. It is recommended that you consider the accident and medical aspects. This choice of consumer type, annual payment and annual insurance, is a more affordable type of insurance.
About this age insurance, pay attention to the health and old age aspects. Health includes: accidents, diseases, medical aspects, major diseases, the cost will be higher, there may be premiums upside down phenomenon, you can consider discretionary according to the family's economic situation. In case of old age, you can prepare as early as possible by making short-term contributions and start to receive a certain number of years at a fixed age. This can communicate with the salesman.