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Arkansas Insurance Blog

Should I Wait for Illness or Old Age to Get Life Insurance?

In Northwest Arkansas, our team at Adams Insurance & Financial frequently hears questions about whether policyholders should wait until they fall ill or reach old age to get a life insurance policy. While every policy is different and every situation is different, our answer to this question tends to surprise our clients.

We usually recommend that potential life insurance policyholders don’t wait until they are getting older or sick to get a life insurance policy. For more details on why we make this recommendation, keep reading below!

Why Shouldn’t I Wait for Illness or Old Age to Get Life Insurance?

The main reason why we recommend getting life insurance sooner rather than later is that advanced age is one of the factors that drive up the cost of a life insurance policy. If you get life insurance when you are young and healthy, you’ll save money on life insurance in the long run.

Most insurance companies tend to see someone who is healthier and younger as less likely to develop a severe life-threatening health condition in the near future than someone who is older or already ill. 

Since every life insurance policy has its own specific terms, some policies and insurance companies might not differentiate. Even so, there are other reasons to get life insurance at a younger or healthier stage. On top of potentially saving money, having a life insurance policy as a younger person can give you peace of mind that your family will be cared for financially if you pass away. Since unexpected events happen every day, life insurance is a useful safety net for the unexpected.

Reach Out To Us!

To learn more about our life insurance policies, call Adams Insurance & Financial in Northwest Arkansas today!

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