Yes, 59 but don’t wait that long, please.Insurance never seems like a priority when you’re young and healthy, but this is the best time to get on the insurance train.The more grey hair you have (well, the more years you have, really), the higher your premium.And as you get older, your potential for exclusions increase. Your body starts to strain and creak (back/neck/hip exclusion), the pounds are harder to keep off (higher premium due to BMI), and stress builds with kids and moving up the ranks at works (mental health exclusion).As you can see, it makes sense to put the cover in place while you’re young, healthy and fancy-free.You’ll lock in a low premium that’s fixed regardless of what happens health-wise in the future.Think of it like the aforementioned health insurance. Once you hit 35, your health insurance premium increase by 2% per year so this pushes people into taking it out before then.Income protection premiums increase by around 7% every year you put it off!But if you take it out when you’re 34, you’ll pay the same premium at 64 as a 34-year-old!