When Should A Person Get Life Insurance? 
The best advice for getting life insurance is at a younger age in order to be more qualified for lower rates and premiums resulting in higher death benefits . Age 0 to 25 is some of the best years to qualify as dependent to get guaranteed insurability when reaching the age for independence . Even after that age is better to qualify for preferred rating for lower premiums pertaining to health . There are always to benefit with Life Insurance rating . Someone over 40 or 50 will benefit with term policy for the rates are low and the death benefit is high . 