The uncertainties of life makes us want to take reasonable control of it. I have always felt the need to be prepared in several things in life even as I have personally encountered and attended insurance seminars through the bank I used to work in and several other entities.
At age twenty two, on my first year of working, I got for myself one and paid for it for the succeeding five years. I was blessed to have been able to get cheaper insurance rates and the payments were not as burdensome.
We are now two years off from paying this insurance and I have always been thankful to have grabbed that opportunity to get a hold of it when I was younger. The younger the person is, the easier the term quotes are on the pocket. It so makes sense to do this even as times are becoming more uncertain by the day.