The best time to buy any insurance is the day before you need it, but no one knows when that will be. The average age of s that buy coverage at work is 49.  The average age of individuals that buy a policy is age 56.  The cost goes up as you age and start increasing significantly each year in your 60’s and 70’s.  Also consider your health: as we age we often develop chronic conditions and those can make you uninsurable.