Any time a conversation about life insurance has ever come up, whether at work, out with friends, or just hanging out with family, most of them often say that you don’t need life insurance until you’re old! They think I’m crazy for even bringing up the topic, but I always end up changing their mind about the whole thing…well, sort of. I’m currently 33, have a great job, have plans of getting married to my girlfriend, buying a home, and having kids within the next 5 years, but I always wonder – what if something happens to me in the future and everyone that depends on me no longer has me as their support system. I may seem a bit overly cautious at times, but the thing is that people don’t really think about the future and what it can bring them, so they sort of live day by day and don’t worry about protecting their future family and assets.

Here’s where I can’t stress enough that millennials, as well as anyone up to around 54 years old, should think about getting some sort of life insurance plan to help make sure your future family continues living comfortably long after you’re gone.

Here are some of the main reasons why I think life insurance is something everyone needs to get immediately, even if you’re at the ripe age of 21:

• • The younger you are, the cheaper it may be to get a policy.
  • If you have private student loans that your parents cosigned for, your lender may still expect your parents to pay what’s owed.
  • It can replace lost income for your spouse and children, as well as aging parents.
  • It can cover funeral and cremation expenses, so your family isn’t left with the burden of paying for it during difficult times.
  • It can provide an inheritance to your loved ones.
  • It can help pay your mortgage and any remaining debt you leave behind.

Even if you have life insurance through your current employer, it’s always best to consider an additional policy outside of your employer. The reason being that you may not stay with your current employer forever, so the plan may not end up transferring to you after you stop working there.

If you’re interested in finding a life insurance plan, but don’t really know where to start or don’t want to go through the headache of dealing with an agent, seeing a doctor for a medical exam, and waiting months to be insured, here’s an extremely quick and easy way to get started that I recommend to all my friends and family. You can get a life insurance quote in seconds, and be insured in minutes, with a company called Bestow. Their modern way to get a policy is really a no brainer, plus they’re backed by two A+ top-rated life insurance companies.

Follow the link below to protect your family from the unexpected, but don’t wait too long, because the older you get, the higher the monthly premiums may get.