When Should I Get Term Life Insurance? 
This really depends on your specific situation . However , term insurance cost the least amount when you are young and healthy . Another factor to consider is that generally , the older you get , the more health problems you accumulate . Many clients have health concerns that will not allow them to purchase insurance . Unfortunately , when many clients encounter health issues in their lives it causes them to consider purchasing life insurance . Depending on their specific health situation , they might get coverage but usually at a higher rating . 