You get more or less social security depending on what age you choose to begin receiving benefits. (smartasset.com)
So, a term plan is a good idea to protect your family's financial future, no matter what age you choose to buy it at. (maxlifeinsurance.com)
In this case, you would probably want to consider a guaranteed universal policy, since it provides a death benefit until 121 years of age (or whatever age you choose). (valuepenguin.com)