Why NOW Is the Best Time to Secure Your Life Insurance Plan

Why NOW Is the Best Time to Secure Your Life Insurance Plan

If you want some straight talk about life insurance, welcome. You are about to get it. Many people feel they can, or even should wait to buy life insurance. Perhaps they believe that a mortality drug is just around the corner or that the rules that have been in existence, like, forever, won’t apply to them.

Are you ready for some cold hard facts? You will die. But that is just the first reason why NOW is the best time to get life insurance.

1. You Are Alive

It may seem unfair, but if you are deceased you are ineligible for life insurance. No excuses about the dog eating your application or doctor’s notes will help. The time to buy life insurance is NOW, while you are alive.

2. You Will Never Be Younger

Sorry if that’s a flash for you, but you will never be younger than NOW. The good news is that life insurance is at its least expensive the younger you are. That means it is pretty likely life insurance will never be more affordable than NOW.

3. You May Never Be Healthier

It’s true. If you are healthy today, you may never be healthier. You combine that with never being younger and you have a daily-double combination that could lead to your lowest rates ever.

4. Life Insurance is Technologically Efficient

Technology has made life insurance easier and more simple to attain than ever. This is due in part to the superior technology that is available. A few simple questions and you can likely get life insurance in the amount you desire, most often without a physical and with fewer health questions.

5. Taking Action Now Eliminates Regrets

Waiting may cause rates to increase, may make you ineligible for coverage or may even create a situation where it is too late. Buying life insurance now is the “no regret” solution. If you don’t feel you can afford the amount of life insurance your family deserves, getting started is, well…getting started.

Don’t wait. Contact one of our independent life insurance agents today. At least have a conversation and get a price quote. You may be saying “no” before you “know”, and that would be unfortunate. We look forward to assisting you.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Generic filters

Read More Insurance Blogs

A Gift Beyond Roses: Why Life Insurance is the Ultimate Expression of Valentine’s Day Love

Roses fade, but financial security lasts. Discover why life insurance is the most selfless Valentine’s Day gift you can give your family this year.

T-Minus 30 Days: The Late January Review of Beneficiaries and Tax Implications

Tax forms are here. Review your life insurance beneficiaries one last time, and understand the tax status of policy payouts vs. accrued interest.

The Mid-January Check-Up: Why Scheduling Your Life Insurance Exam Now Locks in the Best Rate

Don’t delay the exam! Schedule your Life Insurance paramedical exam in mid-January to lock in your best rate and complete your application process quickly.

Tax Season Lifeline: Why January is the Time to Secure Estate Liquidity with Life Insurance

Tax season is here. Use Life Insurance to create tax-free liquidity for your estate and protect your family business from forced asset sales.

The Healthy Policy: Leveraging Your January Wellness Resolutions for Life Insurance Savings

Did you resolve to get healthier? Your improved fitness can translate into lower life insurance premiums in the new year.

The Family Legacy: Why December is the Time to Name a Trust as Your Life Insurance Beneficiary

Protect your payout. Discover the benefits of naming a Trust as the beneficiary of your life insurance to control distributions and minimize probate delays.

The Most Sustainable Gift: Life Insurance and the Value of Income Continuation Planning

Life insurance ensures the Christmas cheer continues. Practical tips on using income continuation math to calculate the right term policy size for your family.

The Ultimate December Gift: Why Life Insurance is the Most Important Present You’ll Ever Give

Forget the gadgets; life insurance is the real gift of security. A timely look at protecting your family’s future during the season of giving.

The Modern Parent’s Dilemma: Life Insurance for a Generation of Savers and Investors

Today’s parents have new financial goals. Here’s how life insurance can be a flexible tool for a modern family in 2026.

Life Insurance, Not Just a Death Wish: The 2026 Financial Planning Essential

Life insurance is now a living financial tool. This guide shows how modern policies can help you build wealth and plan for the future.