The reason for this is the following：
1. The younger, the cheaper.
2. The younger you are, the longer it takes to buy protection.
3. Critical illness insurance requires health underwriting. With the growth of age, people with slightly abnormal health may not be able to buy serious diseases. It is suggested that people under the age of 50 can consider critical illness insurance if their physical conditions permit.
The upper limit of critical illness insurance is generally 60, and individual insurance products can reach 65. Experts suggest that if economic conditions permit, you should take out critical illness insurance as soon as possible. The earlier you take out critical illness insurance, the lower the cost. The average age of critical illness insurance claims is 42 years old, indicating that about 42 years old is the high incidence age of critical illness insurance. Therefore, experts believe that 40-45 years old is the best insurance age for critical illness insurance.