I am 20 years old and have had my life insurance policy with AMFAM for two years. I chose to buy the universal policy instead of the term because of my age. My policy builds up cash value so when I want to buy a house I can pull money out of my life insurance. It is the best investment I have made thus far in my life, and it's very much worth it. I fit under the guidelines so that I didn't even have to take a blood test or have an exam, only a saliva sample. I have a very good rate that I pay monthly and so far the cash value is building up more and more! I would recommend life insurance to anyone, especially young people!