In general, there is no real defined time to get life insurance plans but one rule to follow is that as soon as you have a dependent, life insurance should be something that you should consider. This is because life insurance is there to protect your loved ones financially when you pass away and so, without it, you are putting your family at risk. Also, through life insurance you can get cover for your children and their education and marriage.
Your age can also influence the time that you take out cover because the older you are, the more likely you are at risk of getting criticla illness or requireing medical treatments but putting it in place as early as possible will ensure that you are covered. Purchasing cover at an earlier age will also mean that you pay a lower price and that will benefit you as you get older but it will also ensure that you are covered when health issues arise when you are older. Essentially, you should look to put life insurance in place at the earliest possible time.