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Why You Should Consider Life Insurance While You’re Young & Healthy

Most people in their twenties and thirties haven’t given much thought to purchasing life insurance because they’re in their prime years of health and career. What most people don’t know is that it’s best to take out a life insurance policy while you’re young and healthy because you can lock in a lower rate since you are low risk. The longer you wait, the higher the risk, and the higher the rate will be of your policy.

Why You Should Consider Life Insurance While You’re Young & Healthy

If you are a parent then taking out a life insurance policy is important so that you can have peace of mind knowing that your family would be taken care of if anything were to happen to you. It is important for both parents to consider taking out a policy, but it is even more important that the bread winner of the family is covered by a policy so that their family could continue with the same quality of life in the event of loss.

Another reason for a young person to take out a policy that is often overlooked is to cover your parents from having to pay back your student loan debt if you were to die before paying them off. Sometimes loans are taken out in the parents’ names for their children when they go to college which means they would have to pay the balance back for you even after your death. If you take out a life insurance policy to cover those costs then you can rest assured your parents wouldn’t be faced with that financial burden in addition to a loss of their child. It’s important to cover your bases and have your affairs in order even at a young age.

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About the Author
Da Vinci, Editor in Chief of Your Life After 25, has carved out her own position as a “Realistic Optimist,” and modern day Renaissance woman. Your Life After 25 is the women's magazine for all women, but we put a spin on things and also make sure to embrace life for ladies over 25. Whether you're 25, 30, 35, 40, 50 or older we have something for you! Your Life After 25 "Believe It Or Not, It Does Go On"
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