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Get it while you are healthy... and alive.
No kidding, folks. If you are thinking about it, do it and do it now. Get some life insurance in place while you can. Don't spend a lot of time deciding what is the perfect plan. Choose what is easy and affordable immediately and perfect it later. If you can easily afford $50 per month or $100 per month, get the policy nailed down and go back later to get more if you think you need it.
Keep in mind that the quote figure you get is an estimate. It may be a good estimate or a bad one depending on the questions you are asked and the answers you give. You don't finally know how much the policy will cost until you submit the application and get the medical exam. Once you get through underwriting, then you know the cost. There is no commitment.
Even if you have some medical conditions such as diabetes, high blood pressure, high cholesterol, surgery, you may still qualify for Life Insurance. Get started with a quote as soon as possible.
Call me for a quote from 40 life insurance companies.