MIKE is WAY OFF...... the sooner you buy life insurance the better. First your making sure that no matter what health condition that ever comes up it doesn't matter because you had life insurance as a kid. Also the amount of money that builds up over time is incredible. I just left a clients house last night and with a Northwestern Mutual policy assuming the same dividend rate if this 6yr old boy keeps his policy in force for 2800 a year , by the time he is 65 yrs old he would have put in 173,000 and he could cash it in for 1,300,000, and the whole time he had a death benefit included. How can you beat that, especially in these hard economic times.