There is no pre-defined figure. Some have kids late after age 40 or take home loans late. Insurance is needed till such responsibilities are completed. So assessment is needed while talking to the buyer. One more thing, chances of dying are more as she increases so analysis of individual needs is crucial.
Certainly, I agree with the point you made about the necessity of insurance, and the decision should indeed be based on individual requirements.
But In general, it's common for people to have children between the ages of 30 and 35. By the time they reach 65, their children will typically be between 25 and 30 years old, often self-reliant. At this stage, parents may still have various financial obligations, but they will also possess their investments and retirement savings to cover any remaining expenses. This is why I mentioned that reaching the age of 65 is usually sufficient for many individuals.
I also concur with your observation that there will always be exceptions, such as those who have children later in life or those with home loans extending beyond the age of 65. Therefore, it's essential for individuals to make their decisions based on their unique circumstances. Nevertheless, our discussion should ideally address the common scenarios that apply to a broad segment of the population rather than focusing solely on exceptions.