If you ask most people when they plan to buy life insurance, the answer is usually...
"Someday."
Maybe after the kids are older.
Maybe after they pay off the house.
Maybe after they retire.
The problem is...
Life insurance gets more expensive as you get older.
And if your health changes, your options may become more limited.
The best time to explore life insurance isn't after a major diagnosis.
It's before one ever happens.
That doesn't mean everyone needs the same amount of coverage.
Some people need enough to replace income for their family.
Others simply want to leave money behind for final expenses or loved ones.
The important thing is having a plan.
Even if you already have life insurance through work, it's worth reviewing whether that coverage would actually be enough if your family needed it.
Life changes.
Needs change.
The best time to review your options is while you still have the most choices available.
