At What Age Should I Buy A Term Life Insurance Policy?

How old should I be when buying a term life insurance policy?

When to buy a term life policy depends on you.

What are your goals for your life insurance policy? Who relies on you for financial support and for how many years?

Do you have any family members you support, or outstanding financial commitments?

Term life insurance lasts for anywhere from 1-30 years.

Many policies for term life are issued for 10, 15, 20, or 30 years of coverage.

Since term life insurance rates increase with your age, the sooner you buy your policy, the less it will cost you. And, you can lock-in a low rate now while you are young and healthy.

If you wait, your health may change, and you may be unable to qualify for life insurance coverage when you need it later.

Also, do you plan on buying a home, getting married, and having children some day?

If so, you will have a need for life insurance, so it may be a good time to find out how much it will cost you, and start planning for your future.

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