Start thinking about death...

So I recently learned that the younger and healthier you are when you apply for life insurance, the better off you will be.

Yes, I know, you can barely pay your bills, why should you add another expense? Well, the truth is, that if you "buy in" now, even if you get a term policy (which expires when you're 75 or so and earns no interest), you can usually convert them to a full policy without another health exam.
I applied a week ago for life insurance to cover my debt, my funeral (they are expensive!) and leave something behind for my son in case the unthinkable should ever happen. I had to answer a long survey about common things like asthma, colds, stress, etc., and then had to have my urine and blood checked. Now, fast forward 20 years and imagine sitting there doing all of these tests. I can't guarantee that I'm healthy now, let alone then. And if they feel that you're too much of a DEATH risk, you can end up not being insured or paying a ton.

Even if you have to get a flimsy term policy for now worth like $20K, you can always increase or upgrade it once you've been approved.

I MUST however, put in a plug for disability insurance. Why? Because every day that you're at work, or driving, or walking down the street, there is more of a chance that you will become disabled (meaning, unable to work a full time job, or work a job that you went to school for) than die. So, if you don't have it, you may want to explore that first. Keep in mind that if you have certain conditions like depression, it may be hard to get disability insurance. But it's useful. If you are in an accident and can't work anymore, life insurance won't put food on your table and social security is a joke.

Do your research and protect you and your family.