{"id":7650,"date":"2020-04-13T12:30:00","date_gmt":"2020-04-13T12:30:00","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/04\/13\/six-reasons-why-now-may-be-the-best-time-to-get-life-insurance\/"},"modified":"2025-09-19T15:47:56","modified_gmt":"2025-09-19T19:47:56","slug":"am-i-too-young-to-buy-life-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/am-i-too-young-to-buy-life-insurance","title":{"rendered":"Am I Too Young to Buy Life Insurance?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Am I Too Young to Buy Life Insurance?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2020-04-13T12:30:00-04:00\">April 13, 2020<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">4 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Amanda Reaume\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Amanda Reaume<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-too-young-life-insurance-8.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A woman wondering if she is too young to bu life insurance\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-too-young-life-insurance-8.jpg 930w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-too-young-life-insurance-8.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-too-young-life-insurance-8.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-too-young-life-insurance-8.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Am I Too Young to Buy Life Insurance? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/am-i-too-young-to-buy-life-insurance\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/am-i-too-young-to-buy-life-insurance\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">1. Cheaper Premiums<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-1-cheaper-premiums\">1. Cheaper Premiums<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-2-while-youre-still-eligible\">2. While You&#039;re Still Eligible<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-3-you-own-or-plan-to-buy-a-home\">3. You Own \u2013 Or Plan To Buy \u2013 A Home<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-4-youre-getting-married-or-starting-a-family-someday\">4. You&#039;re Getting Married Or Starting A Family Someday<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-5-youre-looking-to-invest\">5. You&#039;re Looking To Invest<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-6-you-have-student-loans\">6. You Have Student Loans<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Do you think life insurance is only for someone older than you? Or that it&#8217;s only something you need to think about when you&#8217;re married or start a family? Turns out, now might be the opportune time for you to get a policy.<\/p>\n<p>Here are six reasons why getting life insurance earlier makes sense.\u00a0<\/p>\n<h4 id=\"h-1-cheaper-premiums\">1. Cheaper Premiums<\/h4>\n<p>There are many factors that affect life insurance premiums but your age and your health are arguably two top determinants, so why not lock in low premiums now? When you buy a term policy the rate is set and you pay the same premium for the duration of your policy term.<\/p>\n<p>Some policies allow you to add on extra insurance later on or extend the life of your term policy if you need to. Sitting with <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" target=\"_blank\" rel=\"noopener noreferrer\">an insurance advisor<\/a> can help you determine what makes the most sense for your current lifestyle and life plans.<\/p>\n<h4 id=\"h-2-while-youre-still-eligible\">2. While You&#8217;re Still Eligible<\/h4>\n<p>Certain illnesses or health conditions can render you ineligible for most life insurance policies. Taking advantage of the now, while you&#8217;re hopefully still healthy, might prove to be beneficial. If you wait until later on in life, and unfortunately get sick in that time, you may no longer be eligible.<\/p>\n<h4 id=\"h-3-you-own-or-plan-to-buy-a-home\">3. You Own \u2013 Or Plan To Buy \u2013 A Home<\/h4>\n<p>Being a homeowner is a great accomplishment, you have an asset you should be proud of. When you die however, the last thing you want is to leave a family member with the burden of paying for your home. That&#8217;s why having life insurance in place that can pay off the mortgage balance is important.<\/p>\n<p>Buying a term life insurance policy to pay off your mortgage or adding to an existing term, permanent, or universal policies to cover the cost of your home may help protect your family.<\/p>\n<h4 id=\"h-4-youre-getting-married-or-starting-a-family-someday\">4. You&#8217;re Getting Married Or Starting A Family Someday<\/h4>\n<p>Taking care of your family is important. Having a life insurance policy in place will help ensure that if something happens to you, you&#8217;ve equipped your family with the financial support they may need to stay in your current home, keep up with day-to-day expenses, help cover debt, and more. Most families budget and plan their lifestyles based on both incomes so a sudden and unexpected change in those plans could leave your spouse in financial hardship.<\/p>\n<h4 id=\"h-5-youre-looking-to-invest\">5. You&#8217;re Looking To Invest<\/h4>\n<p>Certain types of permanent life insurance policies can be used as a means to invest or save. A whole life or universal life policy are the two primary types of permanent insurance that allow you to accumulate investments inside the policy. With some participating whole life policies, you&#8217;re also entitled to dividends from the insurance company.<\/p>\n<p>Two pros with these policies are one, your investment grows in a tax-sheltered basis within the policy. The second is that you can borrow against your life insurance policy&#8217;s cash value if you need money to, for example, buy a home, cover unexpected medical expenses or pay for your child&#8217;s education.<\/p>\n<h4 id=\"h-6-you-have-student-loans\">6. You Have Student Loans<\/h4>\n<p>If you have student loans, you may want to consider getting life insurance. While government student loans forgive your debt if you die, private student loans may become the responsibility of a co-signer in the event that something happens to you.<\/p>\n<p>Since most people take out student loans when they&#8217;re relatively young and healthy, you may be able to get an inexpensive term life insurance policy to cover the value of your student loans during the standard 10-year repayment plan.<\/p>\n<p>Different choices or plans for your life could determine when, how much and what kind of life insurance would make sense for you. The earlier you get a policy may help you save money, plan for your family and invest in your future.<\/p>\n<p>Do you have questions about life insurance? We can help you get it. Speak to an <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Am-I-Too-Young-To-Buy-Life-Insurance&amp;dltarget=advisor-locator\" target=\"_blank\" rel=\"noopener noreferrer\">RBC Insurance advisor<\/a>.<\/p>\n<p class=\"mobile-hidden\">Or call us at <strong>1-866-223-7113<\/strong>.<\/p>\n<p class=\"mobile-only\">Or call us at <a href=\"tel:18662237113\">1-866-223-7113<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-b2ada088-2237-4a9b-97b9-16b5947fe84b {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-b2ada088-2237-4a9b-97b9-16b5947fe84b {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-b2ada088-2237-4a9b-97b9-16b5947fe84b\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Unsure about when to get life insurance or if you&#8217;re too young? Here are five reasons why now might be the time.<\/p>\n","protected":false},"author":111,"featured_media":7663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[3,24,6],"article-type":[80],"ppma_author":[],"class_list":["post-7650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-family","tag-home","tag-work-life","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Am I Too Young to Buy Life Insurance? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"If you&#039;re unsure about when to get life insurance or if you&#039;re too young? 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