The younger you are, the cheaper it is, just do the math, if you start now, how much will it cost you if you live to be, lets say 90, versus if you wait and start to pay for a more expensive rate till age 90. in my case I already have mine, and I'm 41, I did the math and in the long run it was going to be cheaper by thousands of dollars, besides if I get sick now.. I'll be covered.Works for me, might not work for you, just do the math and consider your health and family history, that's why I got mine early.Michael...