When Should I Get Whole Life Insurance? 
That is an excellent question ! Since the majority of companies will have fixed rates for the policy , it makes sense to purchase it as early as possible . Many times I 'm asked - `` why should I buy insurance for my kids ? '' , and the answer is this - because kids pass also , and God willing they live long , healthy lives , they will never pay more that what the original premium price is . Many policies will also offer the opportunity to increase their coverage without having to do any underwriting ! I hope that helps , thank you for asking ! 