Can A 21 Year Old Get Life Insurance? 
Yes . The premiums for coverage depend on a number of factors including whether the 21 year old is a male or female , his/her medical history , height/weight profile , any tobacco usage , the amount of coverage the policyowner is looking to secure and how long he/she wants it guaranteed for . Many individuals look at securing a guaranteed universal life or whole life policy for an individual at such a young age as they can reasonably expect to live for a long time , meaning the rates are much much lower than someone who is in their 30 's , 50 's , 60 's , etc. , where the number of years of remaining life expectancy would be less . With such low rates at a young age , guaranteeing the premiums and death benefit for life is very affordable . Consult with an independent insurance agent/broker to see what plans are available and what structure would be best suitable to meet your needs . You can send me a private message by clicking on the `` contact me '' button if you would like assistance with your and your family 's life insurance needs . 