When someone needs you, that's the best time to get life insurance. Also, if you are young, your life insurance is likely to be cheaper. It's smart to lock in a low monthly price now that won't change for as long as your policy is in effect.
You can change your coverage as your needs change over time. If you have another child or buy a bigger house, your needs might change, and you can ask for more coverage. As you save money or make more money, your needs may change. With Ladder, you can change the amount of coverage you need (with no fees or penalties).