Having it through work is not always enough. Most employers only allow up to three times your annual salary.
If you purchased in the past, mortality rates have changed and it’s possible you could be paying too much. Make sure to always review your policy every 1-2 years to verify you are getting the best price and still have the right coverage.
If you think you are too young for life insurance, it’s the perfect time to buy. Rates will be at the lowest and at any point you can become uninsurable. Many medical conditions aren’t age specific- how many people do you know under the age of forty that have been diagnosed with cancer?