Never to late?

I really need to Buy Life Insurance. So many things have happened in my life the last year or so I am plain stupid if I do not look out for the future of my kids!
Just over a year ago my daughters grand father passed away and it was only a few years before that, that he got life insurance which was very lucky for his wife. On the 29th October we found out my brother in law has cancer, he is only a year older then me and has two young children and they have not given him any " time limit" it is so bad they said, enjoy every single day to the fullest, he wants to be there for his kids obviously but now the plan he had for life has changed and now it is a matter of arranging things to take care of his family for when he is not with us any longer.
So many people put off getting life insurance, people say it will never happen to them, I thought the same but seeing what has happened to me in the last year I am not going to wait any longer, I will enjoy every single day to the fullest, I will get life insurance and I will also be making a will as useless as it may seem right now.