There are a million reasons not to buy life insurance today or next week or even this year. Typically, it is not something that you are going to be excited to purchase. While I completely understand this rationale, it is important to consider why you may want to buy sooner rather than later.
First of all, you will never be healthier than you are today. It is possible that you could be sick or unhealthy now, and in the future your health will improve. That is a possible scenario, but it is true in only rare circumstances. The longer you live the more apt you are to have additional health problems or take additional medications. If your health gets worse in the future, it is a matter of time before you may not qualify for a policy at all. If you need coverage and you can qualify, you should go ahead and secure the coverage.
You will never be younger than you are today. This is always true and your premiums will only go up from here. The earlier you lock into a rate and the mortality, will benefit you in the pocket book.
Another reason people wait is that they are shopping carriers and plans. The answer to this is simple, let us shop the rates for you and we will have the best rate on the market for you in 5 minutes. The process to get applied, complete the underwriting, and get you approved takes about 4-8 weeks. This process doesn’t obligate you in anyway, but it gets a formal offer from the carrier if you are insurable.