06/15/2026
Most people assume they should need life insurance before they buy it. This is how we purchase most things in life, making this a reasonable assumption.
What's worth knowing, though, is that the cost of a term policy is based on your age and health at the time you apply. Purchasing coverage when you're younger and healthy typically means a lower rate locked in for the full length of the term.
If you've been curious what coverage would cost at your current age, it's easy to find out. https://lowcostlifeinsurance.com/free-quote/