How Old Should You Be to Consider Life Insurance?

My husband and I are a thirty-something couple doing the research to purchase our first term life insurance policy. I have spent a lot of time on the internet asking questions and comparing answers. It is a bit like doing a research paper. I have also asked friends for their opinion on types of coverage and what term life insurance rates they pay.

I guess I have made myself a bit of a mini-expert. Or at least somewhat educated on the subject of life insurance. Because now I have a young neighbor asking me those same sorts of questions. At first I was just sharing with her the discussions I was having with others in casual talk. She went from listening politely to being seriously curious. Now she is concerned she and her husband are uninsured. I guess it is similar to the way the interest in the subject of insurance came up with my husband and me. Her first concern was how old should you be when you really should get life insurance.

Funny but I put off giving the subject of insurance much thought thinking I would worry about it later when I was older and it was more needed. Like insurance is most applicable to older people. Well my opinion now is more along the lines of age is not much of a factor so much as responsibilities are a factor. In our case the driving concern was our children. If I just have to worry about my well being if my husband should die then a term insurance policy doesn't mean much to me. But now that I have small children I really worry about what would happen to them. And how would having to go back to work affect what I want for them as far as their relationship with their mother?

So my advice is that age isn't very important, if you have children you should find out about life insurance cost and benefits. That's what I am doing.

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