From what I've seen in real estate, a lot of under-40 buyers skip life insurance because it feels like yet another monthly bill. But when young parents avoid it, they're leaving their family at risk of struggling to cover mortgage payments or even losing the home if the unexpected happens. I usually suggest treating it like you would a home warrantystart small, pick a simple and affordable policy, and then adjust as life changes.
Many under-40s think life insurance isn't urgentthey assume they're healthy enough to wait, or they think it's too expensive. The real risk is if something happens unexpectedly, their debtslike student loans, car notes, or even mortgagesfall straight onto their loved ones. Bottom line: if you're serious about protecting family finances, you're already late to the coverage party, so at least lock in a basic term policy while rates are still low for your age.