How can people over 50 integrate life insurance into their estate planning?

One thought process is to consider second-to-death or survivorship life insurance policies. Considering the policy is based on two lives, costs become lower. Additionally, if cash flow warrants, one can consider front loading or reducing paying a permanent life policy to age 65 while still working. For example, take out a permanent life policy at age 50 that lasts until age 100, but pay all premiums from age 50–65 and then nothing during retirement.