1. COO and Senior Agent, Outlook Life, All 50 States
    A good age to get life insurance is when you are younger, as the premiums will be lower then. You will really notice the difference in rates for longer term or permanent policies. $250,000 of 30 year level Term will cost under $300 per year for a 25 year old male in Preferred health. At age 55, that same policy would cost nearly $2,000 per year for a man in Preferred health. However, at age 55 there is a greater chance of having developed some type of health condition, which can increase premiums or even prevent you from getting that much life insurance. 

    Therefore, it is best to get life insurance in your younger years, but any time you need it is a good time to get it.
    Answered on June 21, 2013

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