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Why summer is the best time to buy life insurance

To paraphrase an old song, summer is here and it’s time to … buy a life insurance policy.

Why is it like that? Well, we have some reasons. But there really is no wrong time to get life insurance – for less than what you pay for streaming services, you get coverage that helps ensure that your loved ones will not face financial hardship in the event that you are not around. (Think about it: you pay for everything from mortgages or rent to groceries. Who is responsible for the bill if you can̵


But since summer is here, we thought we should explain exactly why it’s time to stop procrastinating and apply for life insurance.

In this article:

It is hot

And life insurance will keep you cool. Here’s how: Do you know how to sweat when you feel panic and fear? Well, if you have life insurance in place, you have one less thing to worry about – you know your family has financial protection in case the worst happens. Even better, you can get that protection for a monthly fee that is probably lower than what you paid for the latest family’s pizza dinner, or for concessions on the ball field.

Looks? You already feel cooler.

It’s Hot, Part II

If spring or autumn comes, you will indulge in long walks in nature and take in the sight and scents of budding and / or dying leaves. For the summer, however, it is about a / c. And since you are still inside, you can just as easily take a few minutes and apply for life insurance. Thanks to Haven Life’s simple online process, you may be able to get coverage in a few minutes – or approximately how long it takes to cool off from a hot walk around the block.

Summer Fridays

If you’re lucky enough to enjoy a half day off each week (or even a few weeks), you know how easy it is to waste those precious afternoons doomsday scrolling or playing Wordle.

Are you looking for something more productive to do with that time? Try to apply for life insurance. It only takes a few minutes and eligible customers with excellent health can enjoy great prices. For example, a 30-year-old man with excellent health can get a $ 500,000 30-year insurance policy for $ 29.99 per month.

Trust us: Wordle will wait.

Summer vacation

And you know what that means: relaxation, exploration and, of course, an increased risk of death. In 2021, an estimated 42,000 Americans died in a car accident. If you hit the road this summer, there’s a non-zero chance it’s the last car ride you’ll ever take. (What can we say? We spend a lot of time with actuaries.)

But that does not mean there is nothing you can do. Wear a seat belt, for one. For two, consider getting your life insurance squared, so that your family is covered in case something should happen. (See also: Other high-risk summer activities, such as setting off fireworks, swimming in a lake, enduring the bite of a disease-carrying mosquito, suffocating an ice cream …)

It’s snowing

And if you do not have a life insurance policy in place, now is always the best time to change it. After all, you will never be younger than you are right now, and the younger you are, the lower your monthly premium is likely to be. You’re probably also healthier than you ever will be – if the fall, for example, gives an unexpected diagnosis, you’ll probably have to pay a lot more for life insurance, or even struggle to find coverage. Of course we hope it does not happen, but why risk it?

Still not convinced? Get a quote and see for yourself. And then make sure you drink plenty of water, enjoy some hot dogs or vegan dogs and wear plenty of sunscreen. And if it gets too hot, cool off by thinking about the sweet, sweet relief that comes with peace of mind.

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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 that is supported and wholly owned by the Massachusetts Mutual Life Insurance Company (MassMutual). We believe that navigating life insurance decisions, your personal finances and overall well-being can be refreshingly easy.

Our editorial policy

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

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 at no cost 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, which are provided by third party providers (partners). For more information on Haven Life Plus, visit: https://havenlife.com/plus.html

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