If you need life insurance guaranteed to last your entire lifetime, then a permanent life insurance policy would accomplish your goal.
If you need life insurance for a duration of 20 years or less, then a term life insurance policy would be more affordable.
If you have health issues, there are guaranteed issue life insurance plans available for people ages 45 to 85.
Although term life is the cheapest coverage by far, you may find permanent life insurance is the better option, if you need guaranteed lifetime protection.
Learn more about finding the best life insurance for people over 60 years old.