Should young people consider life insurance? 
It depends , it is always more cost efficient to purchase life insurance at an early age because youth and good health usually determine the most affordable premium . However , there must be a need for life insurance . If someone you love and care about is dependent upon your income to live or if you were to leave a debt upon your death , you need life insurance . That debt could be anything from a mortgage to funeral expenses , no one wants to leave an undo burden on their loved ones on top of grieving your death . Use an experienced independent life insurance broker to determine what you need and then they will shop the market for the best rates . Good luck ! 