The importance of following the insurance at younger ages

Today we might want to design a better future, perhaps by way of investing, saving, or may take insurance.
What is our current age, sometimes we often defer to start investing.
age when we are young we should have started investing in after us now we are more productive to make money.
in insurance at a young age we are less expensive to pay a premium in comparison if we have further age, it is usually used in life insurance,
there is one of my friends say "I want to pay dearly forobeying insurance but why I was rejected. " There is no reason why someone on the decline in insurance follow "
1. already have severe disease
2. age is too old
3. have a hereditary
4. it has already been rejected by the previous insurance
of some of the above factors are more often used theinsurance is an old age.
insurers did not want to for accepting disadvantage dpeople who are too old because the risk is too big ..