Term life may be good if you expect you will not outlive the duration of your policy's "term".
However, many people choose a permanent life insurance policy so they make sure they have coverage guaranteed to last their entire lifetime so there is definitely money left to pay for the cost of their final expenses.
There are guaranteed issue final expense permanent life insurance policies available for people ages 45 to 85. These plans do not require any health exam and you will not have to answer any questions about your health.