Why fall is the best time to buy life insurance

Smell it? It’s the refreshing scent of cool fall air, mixed with a soup cone of… could it be? Yep, that’s it: Life insurance’s sweet, sweet olfactory delights in the fall.

Okay, maybe we got carried away. (After all, we only used soupcon in a sentence.) But hear us out: Fall is almost here, and it’s a good time to buy life insurance.

Why is it like that? We’ve outlined five big reasons below. But suffice it to say, it’s always a good time to buy life insurance, an affordable way to provide family protection for those you love against the risk of the worst happening to you.

If you have children, or a mortgage, or thinking about starting a family, or just someone who depends on you (and your income) for their well-being, you should probably consider getting life insurance. Generally speaking, you want a term length that lasts until the kids finish college, until your mortgage is paid, and/or until you expect dependents to no longer rely on your income for their care.

When it comes to how much coverage you need, a good rule of thumb is insurance worth about 10 times your annual income. And best of all, thanks to competitive rates offered by Haven Life, a policy of that length and value is probably cheaper than you think.

Those are the basics. On why fall is the best time to buy life insurance, grab a pumpkin spice latte, curl up under a big flannel blanket, and read these five reasons why it’s a good idea to buy life insurance in the fall.

Life insurance fits like a cozy sweater

Fall is a season of comfort — flannel shirts, crisp weather and, of course, cozy, cozy sweaters. Well, it turns out that life insurance offers comfort, too. When you buy financial protection for your loved ones in the form of life insurance whose death benefit can be used for a variety of expenses—from funeral or cremation costs to mortgage and tuition payments—you’ll also have peace of mind. It’s like an autumn sunset for the soul.

Looking at leaves can be very, very dangerous

Did you know that each year more than 300 deaths are attributed to accidents that occur during leaf viewing excursions? Of course you didn’t, because we just made it up. But that’s the thing – you never know when the Grim Reaper might come knocking on your door. (And hey, fall is also the scary season, what with Halloween and what not.)

But while you can never really prepare for the unexpected, at least you can have a plan in place in case something goes wrong – and a good plan includes having life insurance in place, so the death benefit can help take care of your loved one in case it does.

The sun sets earlier

In the summer, a long evening outside made sense – at a ball game, at your friend’s barbecue, whatever. In the fall, come 8pm or so, you’re much more likely to hit the couch and turn to Hulu. So hear from us: Instead of fiddling with TV, use that time to do something productive – like get life insurance. And with Haven Life’s convenient online application process, you can buy coverage faster than you can watch an episode The bear. (It’s a lot less intense, too.)