You may be able to maintain yourself properly till now. But you cannot be so sure about it in future as well. Furthermore, health related problems may not always be a disease. After all, sickness is not the only cause of deaths. So, being prepared as early as possible will help you buying a better life insurance policy. As you are young and in good shape, the amount of premium you pay for life insurance policy is less. However, when you grow old and your health is not in such a good shape, you will end up paying more premium.
A wise decision is to cover your life as soon as you start earning and support your parents or when you marry. The reason is that when you are single, you may not worry much about your life and death, but when you have other members of family who are dependent on you, then it is your duty to safeguard their futures in case something happens to you. Life insurance policy is not such a big issue as many may think it is. You just need a little time and maintain a budget to buy a life insurance policy from.
When you know how much you are willing to spend, you can tell your life insurance agent better about what you want and in how much. So, you will be able to get better life insurance policies and they will be cheaper too. Not every policy is expensive. It completely depends from person to person about the amount of coverage they wish for their family. So, you should know the right amount of coverage for your family when you buy life insurance policy. It should be enough to take care of your family in case of your sudden death.