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When to buy life insurance | Haven Life

5 reasons to get financial protection for your loved ones right now

14 April 2022 | Life insurance

Temperatures are rising. Flowers bloom. Life insurance is… eh, insurance. (We think it’s a word.) The point is, there are some things that are quite synonymous with spring. And we think life insurance should be one of them.

Do you not believe it? Get in touch with us. Here are five reasons why spring is the best time to buy life insurance.

In this article:

Because you spring clean

Maybe you have already cleaned the garage, thrown out the rubbish that collects dust in the attic, or even just made the digital equivalent, updated your passwords and made sure your contact information is up to date. Why not take the next logical step and delete “get life insurance” from your to-do list?

Sure, even if you might think of spring cleaning as a laborious sanding – lifting old drawers up and down the stairs; Spend precious mental energy on deciding if you really need to retain the hard-earned August 2015 Employee Certificate of the Month – getting life insurance can actually be quite simple. You can get a quote in seconds, fill out an application in minutes, and qualified applicants can even get coverage immediately while they wait for their medical examination. (You can also consider coverage without an exam, such as Haven Simple from Haven Life, but we emphasize that you must be honest when applying.)

In fact, buy life insurance now. Spring cleaning has to wait.

For April it rains

Are you looking for the perfect rainy day activity? Applying online for life insurance is it. Whether you’re waiting for a quick sprinkle or a full-on operational thunderstorm, Haven Life’s quick and easy application means you can apply for life insurance while you’re cozy and dry on the couch.

And you know what? If it is sunny and dry, bring your laptop outside and treat yourself to the timeless pleasure of applying for life insurance outdoors. Go ahead: Invite your partner and make it a date.

Because tax refund

If you find yourself with a little extra money after your annual meeting with Uncle Sam, consider spending a fraction of it on buying life insurance. We say a fraction because it costs so little: A 30-year-old woman, in excellent health, can buy a 30-year-old Haven Term policy worth $ 500,000 for just $ 25.40 a month. It’s less than a dollar a day, and probably a lot less than, say, your monthly streaming budget.

And unlike your TV subscription, your life insurance can help with some important expenses afterwards. If something happens to you, your family can use the life insurance payment for pretty much anything: funeral expenses, mortgage payments, education expenses, even basic things like food and gas. Essentially, if someone is dependent on you financially, a life insurance policy is a way to ensure that the person can pay for things when you are not around. Which brings us to …

For spring is the time of renewal

In nature, spring is when winter’s dry grass and cold-lined trees give way to lush fields and fully flowering leaves. Maybe it’s just us – after all, we live for life insurance – but we think renewal is quite inspiring and a good reminder that even if some things disappear, they leave behind seeds for new growth, even new life.

Much like life insurance, when you think about it.

Buying a life insurance policy is one way to ensure that your assets (like lush trees) do not rot (like dead tree branches) and instead continue to bloom in the future (imagine financial leaves on a money tree that blooms after a winter frost). It’s beautiful, really.

Because it’s ours right now

Brass thank you, the best time to buy life insurance is always right now. Why? Because you will never be younger than you are right now. Because as you get older, your health may deteriorate. (It happens.) And above all, for tomorrow is not guaranteed for anyone, no matter how young and healthy you are. Having a life insurance policy is an important way to provide financial protection for those you love, should the unexpected happen.

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About Louis Wilson

Louis Wilson is a freelance writer whose work has appeared in a wide range of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children.

Read more by Louis Wilson

Our editorial policy

Haven Life is a customer-centric life insurance agency supported and wholly owned by the Massachusetts Mutual Life Insurance Company (MassMutual). We believe that it can be refreshingly easy to navigate decisions about life insurance, your personal finances and overall well-being.

Our editorial policy

Haven Life is a customer-centric life insurance agency supported and wholly owned by the Massachusetts Mutual Life Insurance Company (MassMutual). We believe that it can be refreshingly easy to navigate decisions about life insurance, your personal finances and overall well-being.

Our content is created for educational purposes only. Haven Life does not support the companies, products, services or strategies discussed here, but we hope they can make your life a little less difficult if they suit your situation.

Haven Life is not authorized to provide tax, legal or investment advice. This material is not intended to provide and should not be used for tax, legal or investment advice. Individuals are encouraged to seek advice from their own tax or legal adviser.

Our revelations

Haven Term is a life insurance policy (DTC and ICC17DTC in certain states, including NC) issued by the Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and is offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by CM Life Insurance Company, Enfield, CT 06082. Police and driver form numbers and features may vary by state and may not be available in all states. Our agency license number in California is OK71922 and in Arkansas 100139527.

MassMutual is ranked by AM Best Company as A ++ (Superior; Top Category of 15). The grade is valid from 1 April 2020 and may change. MassMutual has received various ratings from other credit rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus skier, which is part of the Haven Term policy and offers access to additional services and benefits free of charge or at a discount. The driver is not available in all states and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made available under Plus Rider, provided by third party providers (partners). For more information on Haven Life Plus, visit: https://havenlife.com/plus.html

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