 Number one, that's because that's when it's the cheapest, and you can buy a 20- or a 30-year policy in your 20s and 30s, and you could probably end up with a million-dollar policy for less than $500 a year. Very possible, depending on health, all those different things, and age goes into it, and yada, yada, yada. But the big picture is the younger you are, the less it costs you to ensure your life.