When Should We Get Life Insurance? 
The best time to get life insurance is while you are young and healthy , because the rates are lowest then . However , many people do not think of buying life insurance until they get older , and see that they were not able to save up what they thought they would . Or when they are diagnosed with an illness , and faced with their own mortality . The cost will be higher at an older age , but your years for needing the policy will be shorter . And if you have a controlled health condition , you may still find some reasonable rates . Age and poor health do not eliminate the need for life insurance , and there are policies available to almost everyone . 