在什麼年齡我應該得到人壽保險？
在什麼年齡我應該得到人壽保險？
 Best answer: six months old. Hopefully, your parents did this for you. Hopefully, they bought you a nice whole life policy at a ridiculously low premium. A guaranteed premium. For your lifetime. Since it is a lifetime contract, you have lots of time to grow both the cash values and the survivor benefit. They can both grow to enormous numbers if you let them. If your parents did this for you, more power to you. If not, its not too late for you to do this for your children and grandchildren. Next best answer: now. You are single? It doesnt matter. You dont have any dependents? It doesnt matter. You dont have any obligations? It doesnt matter. The price will never be lower than it is now. Even if you are in perfect health, if you wait just two years to make the purchase, the price will be higher simply due to age. Why pay extra? Whats that? You have a pre-existing condition and want to wait until it improves or stabilizes? Not a good idea. What happens if it gets worse? Then you are out of luck. If you want life insurance, get it. You may end up paying more now. But if your health does improve, then you can re-shop the coverage and replace the current policy with a cheaper one. And if unfortunately you dont get better, then at least you will have a policy in force. To protect your spouse, or pay off the mortgage, or cover your business debt, or for any of the many other reasons you will need life insurance later on.
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