Otherwise, retired people who no longer work could not get life insurance, regardless of their asset level and health.
The issue may be what is your asset level and can you reasonably pay the premiums for your life insurance policy.
A life insurance company may not want to issue a life insurance policy to someone asking for ten million dollars coverage and only having a net worth of one hundred thousand. It would be too tempting for them to have themselves killed or commit suicide after two years, in order to have their family get the death benefit from their life insurance policy.
Other than that, the fact that the person may not be employed should not matter.
Find out if you may qualify to buy life insurance today.