When Is It Best To Get Life Insurance? 
The best time to get life insurance is when you are young and healthy . I recommend you buy as long a term as possible with as much coverage as you can afford . Rates will never be better for you ever . The longer you wait the higher the premiums will get . If you wait until you need life insurance it 's to late . I first purchased my life insurance in my 20 's and of course at the time it was a chunk of money to me but looking back it was a good move . I have a very low premium and great coverage . It 's all relative . Consult with your local agent about life insurance . 