At What Age Should You Get Life Insurance? 
A good age to get life insurance is when you are younger , as the premiums will be lower then . You will really notice the difference in rates for longer term or permanent policies . $ 250,000 of 30 year level Term will cost under $ 300 per year for a 25 year old male in Preferred health . At age 55 , that same policy would cost nearly $ 2,000 per year for a man in Preferred health . However , at age 55 there is a greater chance of having developed some type of health condition , which can increase premiums or even prevent you from getting that much life insurance . Therefore , it is best to get life insurance in your younger years , but any time you need it is a good time to get it . 