At 83 years old the insurance companies are no longer interested in me or my premium payments. Not a problem for me as I have already agreed with my Thai wife, my partner for over 40 years, that when my time comes, either through illness or old age, I will not bie taken anywhere near a hospital. I will stay at home living as comfortably as possible until I expire. Younger people may take a different view. I would only advise you to think long and hard before committing money to an insurance policy which you may never need.