The importance of understanding your life insurance needs and choosing the right life insurance can’t be overstated. The younger and healthier you are, the more affordable your life insurance rates will be. So, the best time to secure a policy was yesterday, but today will work too.

My husband, an experienced insurance professional, once met with a potential client, a cancer survivor who was five years cancer-free. This gentleman already had a life insurance policy, which he believed would serve his needs for the time being. Six months later, my husband asked, ”How are you doing?” The gentleman replied, “Not so good; the cancer came back.” 

To this day, my husband regrets not pushing him harder to explore other types of life insurance policies. He didn’t realize that it was a mistake until three months later when the cancer took his client. You see, the policy this gentleman had purchased on his own had one critical exclusion – a pre-existing condition of cancer. Because of this, it paid his family nothing when he passed away. This experience forever changed how urgently my husband insists on his clients listening to his life insurance advice, urging them to get the right policy.

This is one of the fundamental reasons we founded The Love Policy. End of life planning isn’t just about securing a life insurance policy, it’s about making sure you have the best life insurance that fits your unique circumstances. And if you’re unsure of how to choose life insurance, when to buy it, or even the different kinds of life insurance, Love Policy was made to answer those questions. We believe in not only helping you understand your life insurance needs but also how to tackle end of life planning overall — responsibly and intentionally.

So, when it comes to buying your life insurance, yesterday is perfect, but today will do. I promise you that nobody walked out their door this morning thinking that they would be the one person who wouldn’t come home tonight. But you see the crashes on the highway, the EMTs with their heads down, the cancer wards, the funeral processions… Yesterday’s perfect, but today will do.