No one depends on my income yet.

I definitely want to get married and have kids.

I have LI through state employment but want to get my own policy as well (thinking term insurance) because my employment’s goes away if I separate from state employment.

My employer makes the contributions so I have the budget to spare.

I am only 25. I’d like to start early, even if it’s only $100/mo for now (my budget is fully budgeted for now due to wedding budgets).

So do I wait until I have kids to start?

Can I withdraw funds from a LI plan if needed ?

Edit: I do now know if I will work for the state/gov for the next 40 years or so, and I am in excellent health– no terminal or critical conditions, non-smoker, don’t drink, have a healthy body and exercise regularly, etc