Why should one go for a life insurance? If you calculate the monthly premium that you pay in your entire life, you will find that you end up paying almost the same amount to the company that you might get the benefit in return. But still we go for a insurance for a simple reason that no one likes to take a risk when it comes to some one’s life. Life insurance is a security cover that is provided to the person and his near ones in times of untoward happenings. So the earlier you start with a life insurance program the better. And since the monthly premium of life insurance is directly related to a person’s age, it is always better to start as early as possible.