All 25 year olds are not equal. Life insurance death benefits replace income that dies when the insured dies. If a 25 year old (or any age) has other people that would be hurt financially at his or her death, then life insurance might be a smart solution. Granted, a 25 year old single person may not have as much "need" for life insurance as a 40 year old with 3 school age kids, but may still want life insurance to replace a financial loss.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
As Larry mentioned, not every 25 year old is the same. At 25, I was married and was a father of my first (of two) children. I owned a home, had responsibilities I felt needed protection from my early death. Life insurance for me, at 25 was a wise choice to make.
That said, at 19 I also had life insurance. Not as much as at 25, but enough to make sure if something happened, my parents wouldn't have to have a financial loss to go along with the loss of their son. It is said that single people don't need life insurance, but I think very few people are truly single. Someone has to take care of things when you pass. How difficult you want to make an already difficult situation is up to you.
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That said, at 19 I also had life insurance. Not as much as at 25, but enough to make sure if something happened, my parents wouldn't have to have a financial loss to go along with the loss of their son. It is said that single people don't need life insurance, but I think very few people are truly single. Someone has to take care of things when you pass. How difficult you want to make an already difficult situation is up to you.