The Age Advantage
Life insurance premiums are primarily based on age and health. A healthy 25-year-old can lock in a $500,000 20-year term policy for as little as $15 to $20 per month. Wait until 35 and that same policy costs $25 to $35. Wait until 45 and it jumps to $50 to $80.
Buying young means locking in your health classification. Even if you develop health issues later, your premiums stay the same for the duration of your term.
Do You Really Need It?
If anyone depends on you financially — a spouse, children, aging parents, or a co-signer on debt — you need life insurance. Even if you're single, a small policy can cover funeral costs and any debts so they don't burden your family.
If you have student loans with a co-signer, life insurance ensures that debt doesn't fall on your parents or co-signer if something happens to you.
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You don't need to buy your forever policy right now. A $250,000 term policy in your 20s provides a foundation that you can supplement with additional coverage as your income, family, and financial obligations grow.
Many employers offer basic group life insurance, but it's rarely enough and disappears when you change jobs. An individual policy follows you for life.