# What if an elderly person has an ADULT dependent?

**URL:** <https://community.clark.com/t/what-if-an-elderly-person-has-an-adult-dependent/4831>\
**Category:** Life Insurance\
**Created:** [April 1, 2024, 11:14pm UTC](https://community.clark.com/t/what-if-an-elderly-person-has-an-adult-dependent/4831 "2024-04-01T23:14:56Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![PropofolMask](https://avatars.discourse-cdn.com/v4/letter/p/6f9a4e/32.png) [@PropofolMask](https://community.clark.com/u/PropofolMask)\
**Post date:** [April 1, 2024, 11:14pm UTC](https://community.clark.com/t/what-if-an-elderly-person-has-an-adult-dependent/4831/1 "2024-04-01T23:14:56Z")

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Should the elderly person in question get level term life insurance?

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**Author:** ![rjratnip](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rjratnip/32/1821_2.png) [@rjratnip](https://community.clark.com/u/rjratnip)\
**Post date:** [April 2, 2024, 2:40am UTC](https://community.clark.com/t/what-if-an-elderly-person-has-an-adult-dependent/4831/2 "2024-04-02T02:40:48Z")

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I think the general rule is if someone is dependent on your income then you should have life insurance. However, at some point that may become prohibitively expensive.

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**Author:** ![ole1845](https://avatars.discourse-cdn.com/v4/letter/o/e495f1/32.png) [@ole1845](https://community.clark.com/u/ole1845)\
**Post date:** [April 2, 2024, 1:11pm UTC](https://community.clark.com/t/what-if-an-elderly-person-has-an-adult-dependent/4831/3 "2024-04-02T13:11:34Z")

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Depending on the age they may not even be able to get term insurance. Even if they could it would be prohibitively expensive.

Elderly adult should have enough assets to be self-insured. A paid off home, savings, etc.