You don’t want to wait too long to get coverage since premiums tend to start off much lower when you’re younger.
And some policies can become much more expensive if you develop a health condition later in life, or even not be available to you because of it.
Also, you do not need extras in most cases for a typical policy to cover your family.
Things such as accidental death and income replacement sound great, but the benefits are usually not worth the cost, so think them through carefully before deciding.
