The best time to buy life insurance is when you are young and healthy. As we get older, our healthy also changes.
When you are young, our health is healthier, and the rates are lower.
I have clients who are in their twenties. Both are healthy and just got married. A few years later, the wife was diagnosed with cancer. She had the cancer removed and is in remission now. After the cancer was gone, she and her husband decide to have a baby. She had a boy. Clara was shopping around for other carriers after her cancer scare, but no one wanted to cover her because of the cancer. My clients was so grateful that they had purchased the life insurance policies early.