08/28/2026
Waiting costs more than money.
At 25, $100,000 of coverage: $18.26/month.
At 35: $20.94/month.
At 45: $40.16/month.
At 55: $83.22/month.
Same person. Same $100,000 of coverage. Same 30-year term.
The difference? You waited.
And price isn’t even the biggest risk.
Between 25 and 55, your health can change. A diagnosis can change your rate, limit your options, or potentially keep you from qualifying altogether.
Meanwhile, we’ll spend money every month on coffee, takeout, streaming, shoes and other things we want without thinking twice.
I’m not saying don’t enjoy your money.
I’m saying handle your responsibilities first.
Because the people you love shouldn’t have to start a GoFundMe because you kept putting off something you could have handled for less than what many of us spend on everyday extras.
We find money for the things we want.
What are we willing to spend to protect the people we love?