Life insurance may well be associated with those of us of a certain age but there's a clear benefit to buying a policy when you are younger and healthier – it may be cheaper in the long run.
Premiums set by life insurance companies are based on your state of health at the time you take out the policy. If you’re healthy, you get the lowest insurance premiums for the life of the policy. If you wait until you have a health problem, your insurance premium may be increased and this increase will be maintained for the life of the policy.
So don't wait until your health starts deteriorating - buy life insurance when you are young, fit and healthy and you'll have lower premiums for life!