Best time to secure
Life Insurance
“What you do is what matters
Not what you think or say or plan.”
– Jason Fried
*No medical exams or blood tests, just answer a few health questions online. Get same-day coverage on affordable policies from top-rated carriers in minutes. Term policies ages 18-69. Whole life policies ages 18-85.
So, if you know you need life insurance (see “Why Life Insurance“), please remember, you can’t get it once you need it. The time to get it is now, for two weighty reasons:
First, your premiums will likely never be as low as they would be now. Since your rate on a new policy is based on your age, habits and health, your premiums will likely never be as affordable as today. For example, according to Policy Genius Life Insurance Statistics in 2021, the average monthly premium on a 20 year term 250,000 policy for a fit & healthy non smoking 35 year old female would be $15.68 per month, where the same female would expect to pay almost double, $26.92 per month if she waited to age 45 to get the same coverage, but only if she is still in excellent health. Which leads us to the most important reason not to procrastinate when it comes to life insurance.
Second, you have no way of knowing for sure what your health will be tomorrow. A serious accident or illness would likely change your eligibility for life insurance. So, while cost is an important reason to act now, eligibility is the most important reason to do so. Health conditions are the number one cause of ratings (higher cost) and denials of life insurance applications.
It may be tempting to leave the important step of securing life insurance for later, but it could turn out to be a costly decision. Consider the peace of mind that checking this important item on your to-do list will bring to you and your loved ones for years to come. We are here to assist you in every step of the process.
***This article expresses the views held here at StrongBox, not those of any insurance carrier represented by the author.
About StrongBox Insurance
Our Mission at StrongBox is to help our customers plan intelligently for continuously improved financial health, to protect their most valuable assets, and to provide for their loved ones even in the worst of circumstances.
Each person’s mindset, situation, and circumstances are unique, and so is our approach to each customer. No matter your current situation, we can provide you with profound insight on the options available to help you design an affordable and effective plan to better position yourself and your family in facing life’s surprises with confidence.
According to LifeHappens.org, more than half of Americans think life insurance costs 3x or more than it does, and sure enough, more than half of americans have no life insurance. Please fill out a Quote Request or contact us via phone or email at your convenience, we will be happy to help. You may be gladly surprised about the actual cost of our life insurance solutions.
We are currently focused on solutions through life, accident and cancer insurance products, and anticipate health supplements and property and casualty products to become available in the next year or so.
Life insurance applications are offered through StrongBox Insurance, or through its designated agent only where licensed and appointed. Currently licensed in AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, VA, VT, WA, WI, WV and WY. Not currently licensed in MD, RI, or UT.
904.530.4232
hello@strongboxinsurance.com
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without your authorization, unless the law permits or requires us to do so.
Access to your personal information is restricted to only those entities who need it to perform the services required of your policy or account. We have physical, electronic, and procedural safeguards that comply with applicable federal and state regulations to keep your personal information safe. If your policy or account becomes inactive for any reason, we will continue to treat and safeguard your information as described here.
