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The expensive penalty for saying "I'll do it later" in life insurance. You might be out there and you might be 20, 30, even 40 years old saying "I don't need life insurance yet. I'll hold it off." What you don't realize is you're going to have to spend tens of more dollars over a shorter span of time to actually get your life insurance in place. Verse, getting in place in your 20s, 30s, 40s as you possibly going to be best to be the best until you're in crisis insurance. Do it. Do it now.