Do Young Single Adults Need Life Insurance?
Life insurance often takes a back seat in your 20s and 30s — here's when it makes sense and when it doesn't.
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When it makes sense in your 20s and 30s
If someone relies on your income — a partner, a parent you help support, or a co-signed loan — life insurance earns its place in your budget early. It also matters if you carry private student loans that don't die with you and could fall to a co-signer.
Buying young means buying cheap. Rates are based largely on age and health, so a policy locked in at 25 costs a fraction of the same coverage at 45.
When you can probably wait
If you're single, debt-free, and no one depends on you financially, a large policy may be premature. A small, inexpensive plan to cover final expenses can still be worth it, but don't let anyone pressure you into more than your situation calls for.
The honest answer depends on your specifics — which is exactly the kind of no-pressure conversation our advisors are happy to have.
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