When is the best time to buy something? Whether it is real estate, automobiles, gold or silver, or virtually any consumer good, the best time to buy is when you have choices (availability) and the price is attractive. It is pretty simple when you think about it. So when is the best time to buy life insurance?
When you have choices and it is affordable.
Generally speaking, that is when you are young and healthy. The challenge is that you are getting older as each day passes, and your health could change at any time.
The best time could be now.
One of the biggest factors in pricing life insurance is age. Everything else aside, as you age and the years go by, your rates will likely increase.
As far as your health is concerned, you are perhaps one doctor’s visit away from increasing costs. You could be diagnosed with high blood pressure, diabetes, or any one of a myriad of other health issues that could make life insurance more expensive or even difficult to find. The lesson here is that if you are in good health and relatively young, it is far easier and potentially less expensive to acquire life insurance.
You may have more choices of companies to select from; you can select whole life, permanent insurance, or term insurance, and you are likely eligible for a large amount of coverage without being required to take a medical exam. Our independent life insurance agents specialize in offering life insurance choices. They have a network of companies they can choose from, even if your choices may be a little more limited. They get the quotes; you make the final decision.
If you want to buy life insurance at the very best time, it just may be today. Get a no-obligation quote from one of our agents and decide for yourself. More choices are better, and you may never have more when it comes to life insurance than right now. We would be honored to serve you.
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