At what age should I get life insurance?
The honest answer: as young as you can. A healthy 30-year-old pays roughly $15–20/month for $500,000 in coverage. Wait until 45 and that same policy costs 3–4× more — and you've locked in the higher rate for the life of the policy.
Even if you're single with no dependents right now, locking in a low rate protects your insurability before health changes that are impossible to predict. A diagnosis later — even something routine — can make coverage much harder to get.
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