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  1. Home
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  4. Reasons To Buy Life Insurance

When to Get Life Insurance? 5 Signs You’re Ready

There are many reasons to buy life insurance. Whether you fit all of them or just one, it may be time to consider getting a life insurance policy.

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There is not a specific age to buy life insurance. The truth of the matter is that everyone's situation is different when it comes to a need to protect their loved ones. There are, however, a few important milestones in your life that could be an indicator that you need to start considering some sort of coverage to protect your loved ones should you die prematurely.

Here are five of the most common reasons to buy life insurance:

You just got married.

First of all, congratulations! Getting married is an enormous step. It changes your life, brings new joys and responsibilities, and compels you to consider another human being at every turn. Your spouse depends on you for love and companionship, but as you co-mingle your finances, they may also begin to depend on you for your half of the rent, mortgage or car payment. Life insurance can help ensure that your spouse won't struggle financially if something were to happen to you.

The stork recently paid you a visit.

After the birth of your first child, nothing is quite the same. Your mind is filled with anxieties about the best preschools, sleep training techniques and proper socialization. Your bundle of joy has so much potential and it's your responsibility to see that they live up to it. There's no script for protecting your little one from life's ups and downs, but with life insurance, you can help secure their financial future.

You just bought a house.

A new home can come with an expensive price tag. Securing a 30-year mortgage is an exciting time, but protecting the investment you've made is important too. Whether you've bought your new home with a domestic partner or a spouse, life insurance can help ensure that whoever is living under the same roof will be able to continue paying the mortgage if you were to die.

You have outstanding private student loans.

If you were to die and leave behind private student loan debt, your spouse or co-signer could be responsible for paying it off, leaving them with a significant burden. If you have considerable private student loan debt and you are married or had a co-signer on your loans, then life insurance could help ensure that no one you love will be strapped with your debts.

Others depend on you.

Many of us, at some point in life, will have responsibilities that reach outside of our immediate family. Your parents may need financial help late in their retirement, or a special needs sibling could rely on you after your parents have passed. Regardless of the precise circumstance, a life insurance policy can be customized to fit your needs, making it possible to help protect all of the people you love.

Life insurance often feels like something that your parents needed; that it's a good idea for a distant time. Answering the question of when is a good time to buy life insurance can be easy though, if you know the signs to look for. If you're ready to get started, try our free life insurance calculator tool or request a free quote today to get started.

Help protect your family with Life Insurance!

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LIFE INSURANCE PRODUCTS
  • Term Life Insurance
  • Quality of Life
  • Permanent Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Guaranteed Issue Whole Life Insurance
  • Accidental Death Insurance
  • Self-Fulfilling Life Insurance
LIFE INSURANCE BASICS
  • Life Insurance
  • What is Life Insurance
  • How Does Life Insurance Work
  • Choosing a Life Insurance Policy
  • What to Expect When You Apply
  • Medical Exam Preparations
  • Managing Your Life Insurance Policy
  • Term Life Insurance Calculator
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  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
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    • Universal Life Insurance
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    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • What is Life Insurance
    • How Does Life Insurance Work
    • Choosing a Life Insurance Policy
    • What to Expect When You Apply
    • Medical Exam Preparations
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
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© 2023 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. ("AIG Direct"), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company ("AGL"), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York ("US Life"). All companies above are wholly owned subsidiaries of Corebridge Financial, Inc. AGL does not solicit, issue or deliver policies or contracts in the state of New York. AIG Direct offers policies on behalf of affiliated and unaffiliated insurance companies. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult the appropriate professional.

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