Is it a good idea to get life insurance

Question

is it a good idea to get life insurance at the age of 22. and if so any suggestions about a company that`s affordable

Answer 1

Depends on your financial status.   I never paid for life insurance (at 69) but I have a good retirement plan that will go to my heirs.  And annuities.  

Answer 2

What are you trying to protect? Is there someone who is dependent on your life and income? If not, what are you insuring against?

Some people buy insurance when they are young, healthy and insurable to make certain that they have it later when they really need it. That's not usually a huge risk, but only you can determine whether it's worth the cost to you. Life insurance -- at least term life -- would be very inexpensive for a 22 year old. Lot's of online sources to explore if you want to get an idea.