The best time to buy life insurance depends on many factors including your age and health. Life insurance premiums are generally lower when you are young and in good health. Life insurance can play a major role in most overall financial plans. Life Insurance is one of the most powerful retirement and estate planning tools available. Structured correctly, withdrawals from a policy can be tax free in case of an emergency or to provide extra income in retirement. They also come with riders that can provide tax free cash for Long Term Care costs. Unfortunately, unexpected sickness and accidents can occur. With that in mind, you may want to consider purchasing life insurance coverage earlier on in life. Having coverage can help protect assets and the ongoing lifestyle of those you love regardless of what the future brings. You'll never be younger than you are right now and no one knows what tomorrow brings. 

Guarantees are based on the claims paying ability of the issuing company.  This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent.