Delaying putting life insurance in place does not save the consumer money
. It costs the consumer more by delaying putting a life insurance policy in place. Not having insurance or choosing the wrong policy would result in a lapse in coverage when needed most or even worse, becoming uninsurable due to a health condition that you didn't have in your younger years. Life insurance should not be viewed as a commodity but as a nessacary investment to protect your wife,kids,parents,or siblings. If you love your family, you owe it to them to put life insurance in place to protect them.