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At this point in life you should have health, property and auto insurance and should start to consider LTC.

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You should have property, auto, and very good health and life insurance. They all as well should be short term coverage.

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You should have health,auto, and if in an apartment, renters insurance. They all should be short term coverage.

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1.) You should consider LTC right around or after your mid 40's.
2.) Types that are covered are Skilled, Intermediate, and Custodial care,

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1.) Anyone who is unable to work and relies on income.

Diagnosed cancer

it can put you out of work for a very long time or permanently.

Major Injury

ACL tears or back injury's can put someone for a good time.

Pregnancy

Things can happen during pregnancy and even after birth there is recovery.

Mental Diseases

People who are challenged mentally or can't process thoughts as well are most likely unable to work

Respiratory issues

Those who have lung disease and cant breathe properly, don't have the "breath" to work.

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Bill payments Depending if it's all variable costs it might change.

Outstanding debt

Most people try to pay off their debt, but rates increase and so does costs.

Death costs

Surprises can happen and sometimes people don't have enough money.

Number of dependents

a big number of kids or family members can take a big bite out of your budget.

Disabled family member

Depending on disease or serious conditions medical bills can be a lot to pay.

Mortgage

Insurance costs and the costs of PMI.

Job Layoff

No job, no pay, no money, no home.

New Marriage

honey moon and wedding costs can vary expensive.

New-born Child

Medical bills and money spent on baby food, clothes, and other accessories.

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1.) I would most likely consider health insurance, since most people technically already have auto insurance first.
Health insurance could still cover your family from any bumps and bruises.
Health insurance when retired will be cheaper, which was said by CNN.
2.Solomon Huebne, described human life as the capitalized monetary worth of the earning capacity resulting from the economic forces that are incorporated within our being