Time to get insurance for my son

My hubby has just asked for quote for term insurance rates for our eldest son.

He is now working and it is time we have a separate account for him as he embarks on his own independent life.

Of course, right now, he is not earning much and we shall have to pay for all his expenses. But at his age, it is good to get an insurance as it is cheaper and much easier to get a better deal.