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hey if youre never gonna die you can tune out right now this isnt for you however if youre like the rest of us from the day that were born we create a liability from the day that were born we have an expiration date may not be the most Pleasant thing to think about but something that we all got to deal with at some point so why do you need life insurance for many different reasons theres too many misnomers out there they think its too expensive they cant qualify they could do it later when theyre older a lot of different reasons but the thing is when is the best time to get life insurance the two best times right now second best time when you dont need it and the reason why I mean that is because you dont want to be caught in a position where you need it and youre not able to get it so theres different types out there theres a whole life insurance which is a permanent coverage thats something that that lasts for your entire life typically its a little bit more expensive