When Should I Get A Life Insurance? 
My advise is to get a Whole Life insurance policy as soon as possible ! As Jim commented above premiums are lower the younger you are . That 's true for all types of life insurance , but the real advantage to buying a policy early is when you buy a Whole Life policy from a Mutual company that pays dividends on top of the minimum interest on your cash value . The longer you let the cash value grow the more you 'll have at your disposal when you want or need it to supplement your retirement income ! 