In either case you should get a medical exam done started .. This is good from not only an insurance perspective but from a life one too. Once you know where you stand easy your health you get actions to raise it. Remember, it isn't to late to do things that improve high quality.
Be sure you actually need insurance. If no one is dependent done to for their care, you may not need the following. If you are single, have no children and are usually relatively young, you very likely be able to defer life insurance for the time being and pocket the amount.