What you can do next
Not everyone in their 20s and 30s should buy a life insurance policy, but it can be a good idea for those who have dependents, would like to leave a legacy, or have debts. First learn about the different types of life insurance to decide which, and how much coverage, might be right for you. Then go shopping.
As you look for coverage, remember that your needs likely will change over time—say, once your kids are out of school, your mortgage is paid off, or your retirement nest egg can cover your final expenses. You might decide on a strategy called "layering," where you buy overlapping term policies so your amount of coverage increases or decreases with your projected needs. A financial professional likely can help you decide what makes the most sense for your situation.