Think of insurance like planting a tree. The earlier you plant it, the stronger the roots grow, and the sooner you enjoy the shade. Similarly, starting your insurance journey early in life can save you money, reduce stress, and provide a strong financial safety net when you need it most.

Many young adults assume they don’t need insurance yet. After all, they’re healthy, single, and feel invincible. But that’s exactly when starting makes the most sense. Term life insurance, for example, is significantly cheaper when you’re in your 20s or early 30s. Premiums increase with age, and health conditions can make coverage more expensive, or even limit your options later. Starting early locks in lower rates and ensures you’re covered before risks increase.

Health is another area where early planning pays off. Medical insurance is not just for emergencies; it helps you manage routine health expenses and protects you against unexpected high costs. Early coverage can mean smaller premiums and fewer surprises later in life, giving you financial stability when life throws curveballs. Critical illness insurance is similar, covering you against serious health events that might otherwise derail your savings.

There’s also a psychological benefit. Having insurance in place early on gives peace of mind. You can focus on building your career, investing, or pursuing your dreams without worrying about “what if” scenarios. Think of it as laying the foundation for your future, you’re protecting your family, yourself, and your financial independence even before major responsibilities arise.

Another advantage of starting early is compounding. Many life insurance policies come with savings or investment elements. The longer your money stays invested, the more it grows over time. Starting in your 20s gives decades for your funds to accumulate, making your later financial goals easier to achieve.

Finally, early insurance planning builds good financial habits. It teaches you to think about risk, budgeting, and long-term planning, all skills that benefit every area of life. Waiting until later may mean rushing decisions under pressure, which often leads to higher costs or inadequate coverage.

The bottom line: early insurance isn’t just about paying premiums, it’s about securing your future, protecting your loved ones, and giving yourself freedom to grow without fear. Just like a tree planted today bears fruit tomorrow, insurance you start early in life provides shelter, security, and peace of mind when life gets unpredictable.