Life insurance is cheaper to buy when you are at a younger age if your health is good or you have no other risk.

Some things that can increase a younger person's life insurance rates do not show up so much in older persons.

For example, DUI's, suspended drivers licenses, some mental disorders, suicide attempts, and type 1 diabetes, to name a few. 

While under the age of adulthood, some of these conditions can make it impossible for a child or teenager to get life insurance, although there are usually life insurance policies available for each of these conditions after age 19.

And sometimes more years of control or stability can actually bring the rate down for life insurance coverage. For instance, your rate for life insurance may be lower if you purchase life insurance more than 5 years after a DUI.

However, in the absence of those situations, it is usually cheaper to buy life insurance when you are at a younger age.

Here's how you can compare free life insurance rate quotes online from several leading life insurance companies.