Advice for buying life insurance and critical illness insurance?

ask: "Advice for buying life insurance and critical illness insurance?"

It is so confusing trying to decide what to do. I am in my late 20's and am looking for life insurance for after I retire. I suspect I will be the last one alive in my family, assuming I have no children. So it would probably be good to get Universal Insurance so I can cash in my policy if I want. Critical Illness is only offered until I am 45. I suspect if I get sick it will be when I am 50 or older. Do you have any advice? Should I start paying for insurance now while I'm young? OR should I convert my group life insurance after I retire and pay the higher premium? Or do you recommend anything else? I have house life insurace, the house will be paid for if I die before the mortgage is paid off. I have no other big debts besides funeral costs.

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