Very much possible to get prior to 65.  My spouse who is 38 just had a bout of shingles, had them in his armpit.  We thought he was having soap or deodorant allergy but finally decided was probably shingles.  They gave him the antiviral med that they advertise so widely on TV as treatment for genital herpes.  He said that even though he knew that no one at the pharmacy thought anything of it, he kept wanting to yell, "It's for my ARMPIT!!!!"  smiley: wink  Clinic said very rare for someone his age to have shingles, but it does happen.