Asad-Before proceeding for buying or which company offers term insurance to her, first understand whether someone actually financially dependent on her? If no one financially dependent on her, then insurance is not at all required. Please don’t try to buy the term insurance for her age. Because it cost you more, many insurance companies may go for stringent scrutiny, if any health issues leads to loading of premium and in my view no company will offer the term insurance at her age and the term you are looking at. Don’t utilize the term insurance for gain, but to compensate the financial loss only.