It is not the insurance companies that recommend waiting until 60 to have the vaccine, it is the CDC. They recommend everyone should get it at 60 and between 50 and 59 to consult with your doctor.
BECAUSE, it is a ONE TIME only vaccine that is extremely effective for 5 years then protection decreases and the highest percentage of occurrences are between 60 and 65 and effects get worse as you get older, so if you get it early you MAY not be properly protected at the age when it is most likely to occur and when its complications become greater.