Simon Hopes

Life is Short: Here's When to Get Life Insurance

Almost 200,000 people die from an accident every single year in the United States.

Even after reading numbers as harrowing as that, the odds of you being caught in an accident and dying are still pretty low, right? What's the hurry then of mulling over the question of when to get life insurance?

The truth is, very few people believe that they could ever die as a result of an accident until it's too late.

The best protection that you can get in order to protect your loved ones from the accidental loss of your life is life insurance. Below, we want to answer the big question of when to get life insurance by first stepping you through what it is that affects your life insurance rate.

What Makes Insurance Rates Fluctuate?

There are a number of factors that can impact the cost of your life insurance policy. In our team's opinion, understanding what those factors are and how to get them to work for you helps to answer the ultimate question of when to get life insurance.

Below are three primary rate affecting factors:


The older you get, the more liable you are to die. That's a morbid thought but it's true.

It's in a life insurance company's best interest that you remain happy and healthy for as long as possible. As you get older and being happy and healthy gets harder, insurers are going to charge you a premium.


You don't want to shop around for a life insurance policy once you get sick. lays out a number of the best life insurance companies that you can buy policies from, and even those premiere brands will charge you massive premiums for coverage while sick or won't cover you at all.

That's a big reason why getting insured when the going is good is so important.

Lifestyle Choices

If you partake in high-risk behaviors like smoking, even if you have a clean bill of health, your insurance provider is going to charge you a premium.

So, not only does smoking cost you money when it comes to buying cigarettes but it also costs you money in the way of higher insurance premiums.

Another reason to kick the habit

Our Answer to the "When to Get Life Insurance" Question

Considering these factors, the best when to get life insurance moment is the moment that you're born.

When you're a baby you're young, probably healthy and unlikely to be partaking in any risky behaviors. Since the day you were born has long since passed, now would be the next best time to get insured.

There are a number of online resources available that will help you shop and compare life insurance quotes so the process of finding a policy should be simple.

We wish you the best of luck getting insured and invite you to check out more of our incredible community's content on Bloglovin' today!

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