 Is reviewing life insurance on your to-do list? Now's the perfect time to add it. A friend recently told me that securing life insurance sooner rather than later can help you lock in lower rates for years to come. So I bumped this up on my list and got it done. I called select quote and couldn't believe how easy and affordable life insurance is. I'm 40 and got a $500,000 policy for $16 a month. My husband's also 40.