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Next is insurability. Not all 21 year olds can qualify for life coverage. There are always a number of factors to consider. Underwriters look at build, life style, occupation and location just to name a few. I recommend contacting an independent life insurance broker to find the best product for your unique situation.
Have you heard otherwise that 21 year olds can't get life insurance?
Is there something about you that is unusual for your age?
Are you distinguishing 21 from 20 or 22?
It is hard to answer your question without knowing what prompted it.