Click to Call
KC Wilson Insurance & Financial Services LLC

1654 The Alameda, Suite 210
San Jose, CA 95126

Get Directions

Request A Quote

Why should you buy life insurance early?

Financial experts generally recommend having good saving habits, but insurance experts have a better way of helping you save money–life insurance. Life insurance, whether buying in San Jose, CA or any other area, comes with benefits, especially if you buy it at the right time. KC Wilson Insurance & Financial Services recommends buying life insurance in your 20s or early 30s. Wondering why?  Let’s discuss some of the benefits.

The younger you are, the easier it is to acquire a policy.

When it comes to timing, buying insurance while young is more straightforward than buying when older. Your premiums are lower at a younger age, your health is considered okay, and you have more working years than senior people. That means that your insurance company can invest in your money and get good returns by the time you need it.

The younger you are, the cheaper it becomes

Insurance companies in San Jose, CA are aware that not many young people consider buying life insurance in their youthful years. At this age, the majority of the youth are students still struggling to pay their college debts; others are just settling in their new jobs, while others are starting a new family. All these financial constraints can prevent a young person from buying life insurance.

The younger you are, the healthier you are, hence cheaper rates.

The biggest reason why you should buy insurance at an early age is to make sure you get your policy before you develop a chronic illness. Like any other insurance policy, you never know when something unfortunate will happen. Most chronic diseases and impairments tend to affect older people than young people. If you are found healthy, your life insurance premiums are substantially lower than when older.

Don’t wait till you are too old to buy insurance. The earlier, the better. If you need insurance or financial advice, KC Wilson Insurance & Financial Services is here to answer and provide all the support you need to make informed financial decisions. Try us today!

Our Partners:

  • Allianz
  • AmTrust
  • ASI
  • Chubb
  • CNA
  • CSE
  • Encompass
  • First American
  • Foremost
  • Great American
  • Guard
  • Hagerty
  • Hanover
  • Hartford
  • Hartford AARP
  • Kemper Preferred
  • Liberty Mutual
  • Mapfre
  • Markel
  • Mercury
  • MetLife