<prompt> Human: Hello, Im 21 and my mother 54 has been dealing with stage 1-4 cervical cancer for 2 years now and unfortunately, even after months of chemo, it has metastasized to her lungs and she doesnt have much time. She is divorced and lived alone in her apartment, before being taken to hospital ICU. She has no insurance but has around 4000 from her ssdi which she wants to give to me. Im trying to lighten the financial burden for after she passes but am rather overwhelmed. This is probably a redundant question but is it too late to get life insurance? The reason I didnt do this earlier is a mixture of just not knowing, denial and ignorance. It wasnt until she arrived in the ICU 1 month ago when i realized how bad it was. I guess I just kept assuming she would get better, definitely a foolish decision.Her prognosis is bad but it is still rather vague. She could have 2 weeks or perhaps even 6 months. Would applying for insurance be viable? thank youEDIT: Thanks for the answersadvice, much appreciated  <response>: This is probably a redundant question but is it too late to get life insurance? Almost certainly yes. Youd be asking the insurance company to write a policy that will pay you thousands of dollars when there is zero chance that she will ever pay more than a small fraction of that amount in premiums. The hospital she is at has social workers, ask to meet with one of them. They can talk to you about the best way to plan for her end-of-life care and final expenses. It will be important to know what expenses you will be responsible for, and what debtsexpenses will be handled by your mothers estate and not yours to pay even if the money runs out before the bills do. For that, get a lawyer who can help draw up a will and manage the estate when your mother passes. If she can still participate meaningfully, that will be of immense comfort to both of you to plan things out together, and put it in writing with confidence. 