Experts’ advice that a person should get life insurance when they are younger because it helps to “protect insurability.” Younger people are ideal candidates because they attract lower premiums. They also have numerous options to choose from. Waiting until a person is much older may imply that they will be asked to pay hefty premiums and in the worst case scenario be denied coverage since some companies may feel like they are too risky to insure. Ideal age would be when a person turns thirty where they take insurance that spans around 15-20 years with a convertible structure. It would mean that they can make the policy permanent without the additional hassle of proving that they are in excellent health during the latter years.