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Are people over 50 too old for life insurance? After all, most consumers assume that large term life insurance policies work best when they. ... And setbacks, like layoffs and home equity loans, may have kept home mortgages from getting paid off on that 15 or 30 year schedule we had planned on. Furthermore, many people reach retirement, and they realize the money that they worked so hard to save will not go as far as they had planned. So just because a term life insurance ...