I don't need life insurance!?.. Really?

Tonight, I want to talk on the subject life insurance. Many people said " I don't need life insurance now, I'm single, I 'll wait few years until I have family" I don't agree with this point. In fact, I believe buying life insurance is the first fundamental step to take in order to build wealth tonight. It's more important than your retirement account. You should get one as soon as you get out from college and start a job. Let me tell you why. First, from the cost point of view, the younger you're, the cheaper the premium it is. The premium is calculated based on three factors: 1)Age, 2)Health 3)Policy amount. As you can imagine, you're usually healthier when you're young than when you're old. That's another factor to drive the cost down (save you money) when you buy early. Also, it is possible insurance company deny applicant because of health problem. Once it rejected, a person may never be able to be covered for his/her whole life. Go get it when you're young and healthy. Second, from a emotion point of view, isn't it one of your ultimate reason to make a lot of money, build a lot of wealth, is to share all the joy and wealth with your family, your parents, your brother, sister, your spouse, children, etc.. What if (touch wood) you leave the world too early? Wouldn't it be nice that you know at least you're leaving something behind to your loved one? At least your parents spend tons of money to raise you up! It just make sense to 529pm you should get coverage as soon as possible. Don't worry the cost! I've seen policy that is as cheap as 10 buck per month for 100,000 coverage. Your insurance agent should be able to help you.