Should young people consider life insurance? 
Absolutely yes , no question about it . When you are young you are likely to be much healthier , which translates into lower rates . Also when you are young the premiums are automatically much lower . What this means is that for the rest of your life , your premiums will be locked into that much lower rate , provided you pay the premium and get a permanent policy -LRB- or even a term for that matter -RRB- . With a policy like an Equity Indexed Universal Life , you can start off early , and build equity through your entire life . That means later you will have money in your policy you can take out and use for a home , or later for retirement . EIUL policies from National Life Group , through Premier Financial Alliance , are even guaranteed never to go down and are locked in every single year , to only go up with the market but never down . It truly is an investment in your future , besides being a protection for your future family . These policies can even protect you , at absolutely no extra cost , from things like disability , chronic , or terminal care . It truly is a new way to protect yourself ! GARY LANE . 