You need life insurance as soon as someone relies on you financially. Really. It’s a good idea to start shopping during major life events like getting married, having a child, buying a home, starting a business, even becoming widowed, separated, or divorced. But you don’t have to wait for a life event. Some savvy people have locked in fantastic rates by getting life insurance early their 20s. Getting life insurance earlier in life can save you money in the long run.

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