My advice, buy it when you're young and plan to keep the life insurance. My brain blew up at 34 and I had coverage for Life and Disability.

I've not needed it obviously, but, I can't get coverage now do the medical history. I'm lucky to have purchased them long ago and still have coverage today.

I can't even get life insurance on my kids through work because of my medical history! Sucks. I have to buy more expensive stuff outside of work for the kids.