In many cases, the answer to the life insurance questions depend on your individual situation. However, when considering when you should get life insurance, the answer is always the sooner the better! Dying unexpectedly can leave your loved ones with an overwhelming financial burden of mortgage payments, debt, taxes, funeral expenses, and monthly living costs that may be unsustainable with the loss of income. When your life insurance premiums are calculated, age and health are key factors, so by applying for life insurance at a time when you are young and healthy, you are able to lock in at a lower rate for the term of your policy! Why risk your health changing, or even worse, passing away without coverage?