New decade new motives

for real.
at what point do you get a life insurance policy do you get it when you get a good paying job or after u get married or when you find out you are having twins. i am trying to think about it and i don't know what or how people decide these things. so when the new year starts and the new decade begins i am wondering about the motives and the motivations
is there a difference between motives and motivations?
or do they mean the same thing

that is the question