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Benefits of Investing in Life Insurance While Young

Written by: MJ Gissas

When you’re young and healthy, you’re most likely to think that there is no dire need to purchase a life insurance policy. But your youth and health are two of the most pertinent reasons why buying life insurance while young is a smart move.

The chief benefits of purchasing your life insurance policy early are:

  • Low cost
  • Greater investment potential
  • Coverage for non-age-related events


Though federal law doesn’t allow insurance providers to sell their policies based mainly on their investment benefits, that doesn’t mean they don’t exist. And investment benefits pair well with cost savings and coverage for the unpredictability of life. Start exploring how life insurance can help you now as well as in the future.


Low Cost

Young men and women have stronger bones, muscles, and immune systems that allow them to safely participate in more extreme life events and cope with harsher environments than those who have aged. Insurance companies know this, and since they benefit most when you stay alive and healthy, they offer lower prices to those with the potential to live long, happy lives.


Term life insurance offers only a death benefit, but its relatively low cost is even lower for buyers in their 20s and 30s. Whole life insurance is no different – though your premiums will be larger for a whole policy when compared to a term policy, they still have the potential to be much lower when you’re young, and they may even build cash value.


Investment Potential

That cash value is another benefit of investing in life insurance while you’re young. Building real, usable cash value on a life insurance policy allows you to borrow money against your policy, purchase a better policy, or cash out when you’re in need of money.

But it takes time to grow and earn interest on it, just like any other investment. If you purchase when you’re young and begin paying into it early, you have the potential to build a much more significant cash value with which you can make other smart investments.

Plus, if you want to play it safe, you can expand the cash value of your current policy by upgrading and using your accumulated value to pay the new premium. You’ll be able to more quickly and safely get a return on your investment if you were able to build an initial investment while you were young.

Support for Certain Medical Problems

There are also medical problems that are utterly unpredictable and, for the

most part, unrelated to age that a quality life insurance policy may help cover. Carriers each have their own underwriting standards, too, so if you have preexisting conditions such as heart disease or are currently battling cancer, you may be able to shop around for a carrier that will cover you.

If you can get coverage while you’re young and healthy, you’re more likely to receive optimal coverage at a standard or better-than-standard rate even for rare conditions. You’ll have financial support for the most unexpected scenarios while saving a bit of money and lowering the risk of leaving your beneficiaries in financial trouble.

Not sure about how to shop or where to find the coverage you need most? That’s why we’re here. Give us a call or send a message to learn more about investing in life insurance while you’re young!

Mission Statement

Americans for Life Financial Services offers retirement solutions for institutional investors and individuals. Knowledge and results help our clients make informed decisions to meet their financial goals. 

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Southington, CT 06489

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