Usually, it costs more the older you are when you purchase your life insurance, because the risk to the insurance company of paying out a claim on your death increases as you get older.
The younger and healthier you are when you buy your life insurance policy, the better your rate for coverage.
A health problem can happen at any age, so thinking you don't need life insurance when you're young may put you in a position of being unable to qualify for life insurance when you need it most.
Once you are diagnosed with a serious illness, the tougher it is to get life insurance.
The sooner you buy your life insurance, the better off you are, because you will lock-in a lower rate now, and you will be guaranteed coverage later on.
You'll get more life insurance coverage for less money, and you'll avoid the risk of being turned down for coverage due to health reasons.
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