The Life Insurance Quandary…To Buy or Not to Buy Now?

Life Insurance

We really need life insurance the most when we are young, just starting out, getting engaged, getting married, buying a home, having babies and raising a family. If something were to happen to us then, and we hadn’t made any life insurance provisions, the odds are we’d be leaving our loved ones in a lurch. Over the past century, life expectancy has doubled, but premature deaths haven’t declined in any significant way. Improvements in modern medicine and better standards of living have allowed for longer life expectancy, but there have been no changes that have significantly decreased the odds of a premature death. That’s where the randomness of life comes into play. What’s my point, you ask?

If you are young and in the relative early stages of your life, the life I described above, with little savings and a big heap of obligations, you are at major financial risk. That’s why you need to make the investment in term life insurance now. It’s relatively cheap, especially if you are in good health, and it can bridge the financial gap for your loved ones if something were to happen to you unexpectedly. Not an outcome any of us want but we need to be prepared. Check out what I mean by running a life insurance quote on’s Instant Quote Tool now.

Life insurance is one of those purchases no one really likes to make, after all, you aren’t reaping any immediate gratification and frankly you hope you never have to. But in reality, buying when you are just starting out in life; is truly the best time to make the purchase. You will end up with financial protection for a fraction of the cost. It buys you and your loved ones true peace of mind. Did the quote you ran on support this?

The PivotCare team understands the life insurance buying process and will work with you every step of the way. From helping you get started with this very important purchase to helping you through the application process. Let us solve your life insurance quandary now. 

About the author:  Michele Cleary has been in the business for over 35 years and holds a CLTC designation. She believes that life insurance can give you and your family peace of mind, especially when you have other things to worry about. Michele now has 4 grown children and knows that proper planning is essential. You can reach her at 1-800-651-1953 or