TRANSCRIPT:

Insurance Insights – Presented by MyInsuranceExpert.com.

Hi; I’m Devin. I’m here to provide you with some expert advice regarding life insurance. Acquiring life insurance doesn’t have to be a long and complicated process. Actually, you can break it down into three simple steps. Let’s talk about step one; determining your needs.

If you need life insurance, that means you have people in your life that you want to protect, financially, so first, determine who your beneficiaries are going to be. Next, you need to figure out how much money you want to be covered for. This usually means adding up your income, your outstanding debts, as well as the needs of your dependents, like college tuition, for example.

After you’ve determined your needs, you’re on to your next step; finding a policy that fits those needs. Now, experts recommend that you work with a brokerage when you’re shopping for your policy; a brokerage like MyInsuranceExpert.com, for example. Companies like this don’t sell their own products. Instead, they work with some of the top life insurance carriers in the nation. This means that brokerages have more policies, products, and prices for you to choose form. And who doesn’t like options, right?

So when you’re working with your expert advisor, you just need to tell them your needs, as well as your medical history and financial situation. Then, they’ll take care of all the shopping for you, and match you with the best possible policy that fits your needs and your budget.

Once you and your advisor settle on a policy you like best, you just have the third and final step to worry about; getting approved (and if you’re healthy, this is the easiest step, by the way). Life Insurance companies just have to put your policy application through an underwriting process to verify that all the information on it is correct. All you have to do during this step is check in with your expert advisor periodically and make sure to provide them with any additional information that they might need. Also, some products, but not all of them, require that you have a quick mini medical exam done before you’re approved, so make sure to get that taken care of.

Then, if everything on this last step goes according to plan, you are approved for life insurance! Now that wasn’t so bad, was it? Just three simple steps. Pretty painless if you ask me. Thanks for watching, and I’ll catch you next time on “Insurance Insights.”

A few weeks ago my wife and I watched a really inspiring documentary with a depressing title: “Fat Sick and Nearly Dead.” The documentary tells the story of Joe Cross, a man from Australia who was overweight, in his forties, unhealthy, and on steroidal medication to treat an auto-immune disease related to his diet and weight. Joe was a fun-loving guy who loved to eat, and it showed – unfortunately he had gotten to a point in life where he was in constant discomfort and facing the prospect of long-term damage to his health (and long-term reduction in his life expectancy).

Rather than spend the rest of his life feeling “Fat, Sick and Nearly Dead,” Joe Cross decided to take action. He knew that he had to make some radical changes. So he went on a special juice diet, making fresh juice from fruits and vegetables. This all-fruit and vegetable diet gave Joe’s body a constant infusion of micronutrients, and helped him feel full without eating anything else. He gave up fast food, pizza, French fries, burgers, milkshakes, and everything else he used to love to eat.

Joe Cross committed to 60 days of his juice diet. During those 60 days, Joe lost 80 pounds. His auto-immune disease symptoms went away – he felt better than ever, and was able to stop taking his steroidal medications for the first time in years. Losing weight gave Joe the confidence to re-boot his diet and lifestyle – he started walking and jogging and lifting weights, and he had a new relationship with food. He no longer needed to stuff his face with lots of food, instead he could eat reasonable healthy portions.

During those 60 days of his juice diet, Joe Cross travelled across America talking with Americans about how they felt about their bodies and about their food. Many people were sympathetic to Joe’s journey but didn’t think they had the discipline to do it for themselves. One man Joe met was a truck driver from my home state of Iowa who was severely overweight – the medical term is “morbidly obese.” This man was suffering from the same auto-immune disorder as Joe. Joe said, “If you want help, you can call me any time.” A few months after he got back to Australia, Joe Cross received a voice mail from that truck driver, saying that he was ready to change his life and regain his health.

I won’t spoil the rest of the movie for you, but suffice it to say that the biggest transformation was yet to come.

“Fat, Sick and Nearly Dead” is a great movie for anyone who’s thinking of making changes in your health and dietary routine. Whether you want to lose weight, eat healthier, or just feel better and more energized, I think anyone can learn something from this movie.

Here are a few ideas from the film that strongly resonated with me:

• The human body is resilient: Even if you weigh 400 pounds (like the truck driver in the movie did), it’s incredible how well the human body can recover if you give it a chance. With steady improvements in diet and exercise, and long-lasting changes in lifestyle, even the sickest and most overweight people can feel better and live longer, healthier lives.
• Start small: Not everyone needs to commit to a full-fledged 60-day juice diet like Joe Cross did. You can try a 10-day juice fast just to “reboot” and re-energize your diet. Sometimes small steps are the most important that you can take.
• Modern life makes it hard to eat right: I love fast food. I love cheeseburgers and French fries and milkshakes and pizza. But when you think about how our bodies evolved, this kind of modern diet is really “unnatural.” Human beings weren’t meant to eat as much meat and cheese and grease as we eat today. There were probably many times in human history where food was not readily available, and where people needed to go without food for most of the day, or even a few days at a time. Eating three square meals a day, with meat at every meal, is a relatively recent phenomenon. Our bodies, in many ways, are better suited to eating lots of fruit and vegetables and “grazing” all day, rather than eating a few heavy meals.

If you are interested in food and nutrition and want to learn more, I strongly recommend “Fat, Sick and Nearly Dead.”

You can also follow the movie’s creator, Joe Cross, on Twitter.

Check them out below – try to resist the adorable charms of the twins!

TRANSCRIPT:

Jason: My name is Jason Erndt.

Andrea: And I’m Andrea Erndt.

Jason: I’m a physical therapist.

Andrea: I’m a stay-at-home mom. We have three kids we have twins that are 17 months, and a 14 year-old daughter. I get up in the morning with the twins and pretty much just hang out with them all day.

Jason: I usually get home around 3:30 pm and try to relieve my wife with the twins or we’ll try to do something together if there’s time. But usually we have no time for ourselves.

Andrea: Busy, busy!

Jason: It was hard to get around to getting life insurance, because then you really think “what if I’m gone?” And then you start to think “what happens to my family if I’m gone?” That’s where it kind of hit home and I realized I had to get this done now. I got connected with MyInsuranceExpert.com through the Internet. I went to some website and filled out some general information, and then I think you called me within an hour. *laughter* I was thinking, “who is this number?…”

We see Jason Ramoska, with a subtitle that says “Jason Ramoska, aka ‘Boston’ is the Erndt’s expert advisor.”

Boston: So what do you think? Was this a pretty painless process overall?

Jason: Oh yeah. It wasn’t a challenge to get life insurance. Once me and Boston connected it was pretty straight-forward. Wasn’t time consuming on my part at all and wasn’t difficult. We just had to fill out some general questions. I would just like to thank Boston for giving me a sense of ease with my family and for both of us having life insurance. God-forbid if anything were to happen to either one of us, the other would at least be financially comfortable. And that’s a great stress relief.

Boston: Well I’d like to add that this is why I love to do what I do.

MyInsuranceExpert.com - 855 718 7618

How is your health and weight? At MyInsuranceExpert.com we’re committed to helping you achieve a healthier lifestyle (it does improve your insurance premiums after all!)

If you’re struggling with serious health problems resulting from obesity, if you’ve tried to lose weight for years without success, if you’re wondering if there is any hope to ever achieve a healthier weight and a healthier life…then perhaps you might consider getting gastric bypass surgery.

Gastric bypass surgery is a drastic method to lose weight, but it works. I have a friend, who we’ll call “Martin Bouvier” to protect his privacy, who has successfully gone through gastric bypass surgery and I asked him to share his experience. I hope that people who are facing serious health problems and trying hard to lose weight can get some inspiration and hope from Martin’s gastric bypass story.

Martin Bouvier had been overweight for most of his life, but four years ago, his health took a turn for the worse, and Martin’s weight and related health problems became a life-threatening situation.

At his heaviest, Martin was classified as “super obese,” weighing over 450 pounds. As a result of his weight, he had developed Type 2 diabetes, neuropathy (loss of sensation in his hands and feet) and congestive heart failure.

“I was diagnosed with diabetes in 2001,” said Martin. “In 2007, I’d been struggling with several months of not being able to breathe well as a result of the congestive heart failure. All of a sudden, one night my scrotum swelled up to the size of a watermelon. I tried to make some dietary changes, and I lost 100 pounds, but then regained 60 pounds of it after 6 months. My congestive heart failure was getting worse. My heart function was down to 10% and I was going to die.”

Martin’s doctors advised him to consider gastric bypass surgery, since his weight and health conditions made him a good candidate for this more extreme variety of surgery. “I literally was to the point where my life was at stake,” said Martin. “So I said, ‘what the heck,’ and decided to give the gastric bypass surgery a try. I had nothing to lose and everything to gain.”

Getting surgery is never a simple matter, and Martin had some concerns about how it would go. His biggest fear was that after the surgery, he was worried that he would be starving and unable to eat. “That sounded like hell to me,” said Martin. “When food is your drug of choice and a necessity, it confuses things. I wasn’t concerned about dying from the surgery, because that was one of the risks. I considered dying to be preferable to living as a permanently disabled morbidly obese freak that people wouldn’t want to look at.”

There are three main types of gastric bypass surgery, and Martin needed to have the most complicated, drastic and risky of the three options: a biliopancreatic diversion with a duodenal switch.

“Even though the surgery was complicated, it had a high success rate and I was fortunate to have a rock star surgeon,” said Martin. “We tried a laparoscopic procedure at first, but ultimately they had to cut me open and do the more invasive duodenal switch procedure. My surgery went on for over 12 hours because there was a bowel leak, but they found it and fixed me up. When I woke up I was still intubated and couldn’t speak, and I kept gagging on the tube. It felt like I was choking, but my hands were in restraints as well so I couldn’t touch the tube. I wasn’t expecting that.”

Martin’s surgery was long and complicated, and he ultimately had to be in intensive care during his recovery. “The incision is about a foot long and hurt like hell,” said Martin.

Ultimately, the emotional complications were almost more surprising. “They make you see a psychiatric counselor for months before the surgery, to get ready for the possible emotional issues,” said Martin. “I felt guilty for needing a weight loss surgery at all. And I felt guilty for taking up a bed in an intensive care unit, while there were people in there who were dying through no fault of their own.”

Martin also said that he felt bad for his mother, who was worried for him the whole time. “I remember hearing my mom talking in my hospital room about how I had ‘emotional problems’ and how I ‘really liked cheeseburgers,’” said Martin. “That was hard to hear. You never want to put your mother through something like that, where she’s worried that her child is going to die.”

Despite some challenges along the way, Martin said that he has no regrets about choosing to do the bypass surgery. He’s lost over 200 pounds, and is down to 244 pounds – only 14 pounds away from his high school weight.

“I had a harder time with the surgery and recovery because we couldn’t do the laparoscopic option and they had to open me up,” said Martin. “At the time, while I was in intensive care, I remembered thinking ‘I wish I hadn’t done this.’ But then, after a couple weeks, and until this day, I have no regrets and I’m glad I did it. I would do it over again if I had to.”

If people are considering gastric bypass surgery, Martin says that from his experience, gastric bypass is a life-changing thing and he recommends it to people who are good candidates for the procedure.

“If you are going to die without it and have tried other options to lose weight, and you are morbidly obese or super obese like I was, then go for it,” said Martin.

Asked what has been most surprising about his new life after gastric bypass surgery, Martin said that his personal relationships and self-image have been different than he expected.

“Maybe this sounds strange, but back when I was fat, I thought people would like me more if I was thinner,” said Martin. “I’ve been called ‘hot’ by a couple of women, my confidence is way higher, my libido skyrocketed, I’ve had more dates post-surgery than all the years of my life combined, but I ultimately don’t feel any more well liked or loved. That surprised me. I always blamed being fat for people not liking me, but I’ve come to realize that some things about our personalities and personal relationships are independent of our weight.”

Martin’s friendships and personal relationships have been affected in surprising ways by his gastric bypass surgery. “There are now people I’ve known for only a short time who never knew me when I was fat, and they cannot imagine me as being fat,” said Martin. “In many ways, I still think of myself as fat. I still get nervous sitting on chairs for the first time even though I’m not likely to break a decent chair anymore. I like being able to cross my legs at the knee for the first time ever.”

Martin is still adjusting to his new life post-gastric bypass. As part of the complications from his Type 2 diabetes, Martin had to have a few toes amputated. “I had looked forward to running again, after the surgery, but I still can’t because of the toe amputations,” said Martin. “There are also a lot of side effects. A good side effect of gastric bypass surgery is that I don’t sweat nearly as much as I used to, and I feel cleaner all the time. The downside is, because they remove part of your stomach, it affects the way you digest food – and so you get a lot of gas and frequent diarrhea, but these things can be controlled with discipline and by paying attention to how you feel.”

The experience of getting gastric bypass surgery has totally changed how Martin sees himself, and it even affects his dreams. “Sometimes I forget what life was like before and sometimes I have nightmares that I’m still that way,” said Martin. “I also live in fear of getting fat again now that my weight has stopped dropping because in the past it would drop, plateau and then go back up.”

Martin said that his relationship with certain friends have become a bit strange as a result of his surgery. “I sometimes feel like some of my overweight friends want me to fail,” Martin said. “It’s like they think that by getting gastric bypass surgery, I cheated. And maybe in some ways I did, but I don’t care. The dead know it’s better to be alive and if you have to cheat to stay that way then just do it, you know?”

Learn more about Type 2 diabetes and gastric bypass surgery by reading Martin’s blog.

In order to be fully prepared for when this time comes, use the following strategies to prepare for the inevitable:

1. Life Insurance Policies. When talking about this type of subject it is only appropriate to give the number one spot to that of life insurance. Whether you are young or old you will need adequate life insurance. When young, you need insurance to protect your loved ones from financial disaster should you pass while they are financially dependent on you, and when you’re older, insurance will ensure you don’t leave behind any debts that would be a burden on others, such as funeral costs. The easiest way to obtain life insurance is to call an expert advisor from a brokerage, like at MyInsuranceExpert.com. They’re not working for the company; they work for the client, as they can find the best possible and affordable life insurance policy from one of several different top-rated carriers in the nation.
2. Passwords. In this day and age where a lot of our records and financial matters are stored away online, it is important that we have the passwords we use to access these items kept in a safe place where they can be accessed if we were to die. These passwords can be stored away with your will (although not on your actual will as they become public when you die) or on a memory stick kept in a safe place. The password list should also be updated regularly and someone you trust should always knows its whereabouts.
3. Wills. A Will is a document that will make sure your property and personal belongings will be dispersed in the manner you wish it to be. It will also tell those you leave behind how you wish your interests to be carried out, as there are certain requests which will be especially important to you. Wills are also important to prevent arguments over ownership after you have gone.
4. Ownership. Despite leaving a Will there are also other matters that can arise regarding assets such as joint ownership of financial accounts, trust or investments. You may have to consult a financial planner regarding some of these matters but you will want to make certain that no doubt exists when you are no longer there to give personal advice on how you want your assets treated.
5. Guardianship. It is very important that you make it quite clear who you want to look after your children on your behalf if you were no longer able to do so. You should also take into account the possibility that your spouse be seriously injured or also die at the same time as yourself. It is very important that the plans for the ongoing care and welfare of your dependants are made clear, and can be just as important as organising the insurance cover you want them to receive.
6. Power of Attorney.  If you were to become incapacitated before your death you will need to have appointed somebody to act as your health care proxy at the same time as giving someone Power of Attorney over your affairs. Once you have settled on who you wish to carry out these important roles on your behalf you should also update your will and estate plans to suit.
7. Store Your Documents Together. Important documents such as birth certificate, house titles, life insurance and investment portfolios, should all be stored together and their location known to someone you trust so that they can be easily obtained when required.
8. Who to Notify. When you die there may be many people or organisations who you would want notified. Those you leave behind can not be expected to know them all so it is advisable to make a list of your own and either leave it with your personal papers or give it to someone you trust to carry out your wishes. The list should include such people and organisations, your spouse and former spouses if there any, children, lawyers, insurance companies, clubs or associations.

One of the best things you can leave behind when you die is a peace of mind in knowing that you did all you could to be prepared. This is best achieved with adequate life insurance and an up-to-date will.

Kristy Ramirez writes for Life Insurance Finder Australia where she helps people to compare life insurance quotes and select the best policy to meet their needs at the best possible price. For all Life Insurance inquiries in the United States, be sure to contact MyInsuranceExpert.com.

Once you’re in a committed relationship and you’re sharing rent, a mortgage or other monthly bills, you need to give some thought, along with the happy realities of love, to protecting yourselves from life’s possible disasters.

Buying life insurance is one of the best things a couple can do to protect themselves from financial catastrophe. If you are depending on another person’s income to help provide for your current standard of living, you need to have life insurance in case that person is no longer there.

Buying life insurance isn’t “fun,” but it’s easier than ever before. Term life insurance rates are cheaper than they’ve ever been, because life insurance companies have gotten better at calculating and managing risk – and people are living longer than ever.

Once you’re involved in a committed relationship – whether you’re young and getting married for the first time, or starting over after a divorce, or starting a new family later in life – life insurance needs to be part of your plans as a couple.

Here are a few tips to help couples find the right life insurance policy:

• Buy term life insurance, not whole life insurance. You can watch here for a discussion with MyInsuranceExpert.com’s Brian Macias on the differences between term life insurance and whole life insurance. In general, we recommend that people buy term life insurance because it’s almost always a better deal – you get the most coverage at the lowest monthly premium cost. Whole life insurance can be a good fit for some specific situations, but overall you’re going to be better off buying term life insurance: get more coverage and save money.
• Buy enough life insurance to maintain your lifestyle. Many people ask, “How much life insurance do I need?” The answer is complicated. It depends on how much you currently need to spend to maintain your lifestyle. It depends on whether both spouses/partners are working and earning income. It depends on whether you have kids, and how old your kids are. But in general, a rule of thumb is to start by purchasing enough life insurance coverage to give you 5 times your annual salary. So for example, if you are in a couple where you earn a total annual income of $80,000 a year, you should buy at least five times that amount – or $400,000 worth of life insurance coverage.
• Cover both halves of the couple. A big mistake that people often make when buying life insurance is that they only buy life insurance for the “man of the house” or the highest income earner. But life insurance isn’t just for breadwinners. Even if your household has a sole breadwinner and a stay-at-home spouse who takes care of the kids, you still need life insurance on both halves of the couple. In case of the untimely death of your spouse, even if your family doesn’t lose any income as a result, you are going to need time to grieve. You are going to need to pay for child care and household help and other things that your spouse used to take care of. You might need to pay medical bills, burial expenses or other costs incurred at the end of your spouse’s life. All of these things can be easily provided for if you have life insurance.

A big part of being a couple is providing for each other in times of need. Buying life insurance is an ideal way to ensure that your loved ones are financially comfortable even in the face of life’s worst challenges. In this way, getting life insurance is one of the ultimate acts of love.

Ready to start? We can help. Talk to MyInsuranceExpert.com for a free quote on term life insurance.

According to Pollan’s book, many Americans are suffering from health problems (ranging from high blood pressure to diabetes to heart disease, cancer and stroke) that are caused or made worse by the “Western diet” – full of fat, meat, salt, sugar and processed foods.

If it’s true that “you are what you eat,” too many Americans are becoming, well, “fat,” and “overly processed.”

None of this is good for our health, but it’s good for the “Big Food” marketers who sell all those snacks, soft drinks, pre-made meals and processed foods. Food marketing is a $32 billion a year industry in America – all these companies trying to get us to buy what they’re selling, whether it’s French fries or energy drinks or nutritional supplements. Michael Pollan argues that despite the good intentions of nutrition scientists and government regulators, most people are more confused than ever about what constitutes “healthy eating.” Which vitamins and minerals and nutrients should we take? Are eggs good for you or bad for you? Do we need to take extra fish oil with Omega-3 fatty acids? Will the “Mediterranean diet” help us lose weight? What about Japanese seaweed? All of these nutrition fads might make money for the food manufacturers, but they don’t really help us know how to eat better.

Instead of latching on to the latest fad, Michael Pollan suggests in “In Defense of Food” that people need to look back to something old: the “real” foods and whole foods (vegetables, plants, fruits) that our grandparents used to eat.

He poses three rules for eating: “Eat Food. Not Too Much. Mostly Plants.”

• “Eat Food:” Much of the highly processed “food” that people eat is not really “food” as our grandparents would have recognized it. Michael Pollan describes it as “edible foodlike substances,” whether it’s a box of crackers that contains 50 ingredients, or “cheese food product,” or “dairy beverages.” Michael Pollan proposes that people can improve their diets simply by only eating real food – things that they know are real and are not full of artificial ingredients.

• “Not Too Much:” Instead of contributing to a food system that produces more and more cheap, bad food, Michael Pollan proposes that we all eat less, but eat better. We need to think in new ways about how the food we eat relates to the larger impact on the environment that supports us all – for example, if people need to eat bacon at every meal (bacon strips with breakfast, bacon bits on salad, bacon cheeseburgers for dinner) that means that more hogs need to be raised, often in environmentally-unfriendly hog confinements that pollute the air and water. More demand for meat means more grain gets diverted from feeding hungry people to feeding cows.

• “Mostly Plants:” Instead of eating meat as the “main course” on the plate, we should try to fill our plates with vegetables, especially leafy greens. Michael Pollan talks in the book about the importance of eating “plants” instead of “seeds” – like wheat, corn and other grains.

Michael Pollan’s “In Defense of Food” can really change the way people look at the food they eat each day. It makes a compelling argument that we all need to re-evaluate how we nourish ourselves, and how we maintain a healthier planet for the long-term.

It seems like everywhere you look, someone is trying to get you to buy life insurance – whether it’s online, TV ads, billboards, bus signs, newspaper ads, grocery store coupons or direct mailings, there are many other companies (and individual life insurance sales agents) on the market selling life insurance. With so many other choices out there, why should you trust MyInsuranceExpert.com to help you buy life insurance?

• We’re real people. There are tons of other life insurance websites offering free life insurance quotes – but do you really trust them? Is there actually anyone there answering the phone, or just SEO robots? Are they working with reputable life insurance companies, or “fly-by-night” operations? MyInsuranceExpert.com is a team of real people who love to have fun at work. You can see us on our YouTube videos. We’re here to help you. Call us and see for yourself!
• We’re available when you are. Most life insurance agents work banker’s hours – by 5 p.m., they’re on the golf course. Our team of advisors is available 50-60 hours a week, including nights and weekends, on cell phones if needed. We work when our customers are available, so after you finish your work day, you can talk to one of our advisors about your life insurance needs. And you can sign up to get a free life insurance quote from our website 24 hours a day, 7 days a week.
• We’re life insurance experts. We know life insurance inside and out – and we can help you find the right policy for your needs. We help customers buy life insurance in all 50 states. No matter what financial goals you might have, no matter what age you are, no matter what health conditions you might have, we can help you navigate the complexities of the world of life insurance and find the right life insurance policy to suit your unique needs and goals.
• We’re not limited to one life insurance company. The drawback of buying life insurance from a local neighborhood life insurance agent is that many of these life insurance agents are “captive agents” – meaning that they only sell the products of one particular life insurance company. This means that if some other company has a better deal or a better product, they can’t help you. We don’t like this approach, and here’s why: everyone’s needs are different when it comes to life insurance, and we believe that every customer has the right to get the best life insurance policy that is the best fit for their unique needs, regardless of which company it’s from. So here at MyInsuranceExpert.com, we offer life insurance policies from all of the best life insurance companies in the U.S. – including ING, Fidelity, Genworth, Aetna, Principal Financial Group, MetLife, and others. When you buy life insurance through MyInsuranceExpert.com, you’re getting the best recommendations and the best life insurance for your needs – not just one recommendation based on one company’s needs.

Are you looking for affordable life insurance from the best life insurance companies? Talk to the experts at MyInsuranceExpert.com. We have a team of dedicated advisors who can give you free life insurance quotes online. Whether you need term life insurance quotes or want to know the best term life insurance rates, MyInsuranceExpert.com offers you a selection of the best life insurance companies, to help you find the right life insurance policy to suit your needs.

But here’s an item usually never inherently found on a youthful checklist; buying life insurance.

This is is one of the best things to “do while you’re young.” If you’re a young couple just starting out in life, you usually don’t want to spend a lot of time thinking about death and dying. (And that’s perfectly natural and healthy – spending too much time thinking about death can be a sign of depression.)

But the fact is: everyone needs to prepare for the worst even as we hope for the best. Buying life insurance is part of establishing a strong financial foundation and protecting your family’s financial future. And there’s no time like the present!

Here are a few reasons why you are better off buying life insurance while you’re young:

• Get lower premiums: Life insurance premiums are calculated based on the risk of you dying – and the younger you are, in general, the less likely you are to die. If you buy life insurance at age 25 or 30 (instead of age 35 or 40) the savings can be significant. Or instead of choosing the life insurance policy with the lowest premium, you might be able to afford a larger amount of coverage, or a longer term, just by buying life insurance five or ten years sooner. Buying life insurance while you’re young gives you the best options and the most financial flexibility to get the right policy at the right price. You can lock in low-cost life insurance for many years to come.
• Easier to get approved for “select” life insurance: Most life insurance companies offer a few tiers of life insurance premiums, with pricing based on how healthy and low-risk the people are estimated to be. For example, if you’re a 25-year-old non-smoker with no serious health conditions, you might be assigned to the “Preferred Select” tier, which pays the lowest premiums. If you’re 30 years old and have high cholesterol, you might be given “Select” life insurance, with a slightly higher premium. And if you’re 40 years old, a smoker, and have high blood pressure and high cholesterol, you might have to pay regular price for your life insurance premiums.
• No pre-existing health conditions: If you buy life insurance while you’re young and healthy, you can get cheaper premiums and save lots of money over the course of your life. If you wait to buy life insurance until you’re a bit older, you might no longer be in 100% optimal health – for example, many people develop health conditions like high blood pressure, diabetes, high cholesterol, heart disease, neurological conditions, obesity or other health problems that can make it more difficult to get approved for life insurance. It’s best to get life insurance while you’re young, because no one knows what the future holds. Even if you’re healthy today, you might develop a chronic health condition next year that could limit your ability to get life insurance in the future.

Young adulthood is often a carefree time of life – but don’t forget to plan for the future. If you want to start a family, if you want to create a secure financial foundation, and if you want to ensure that your loved ones will be take care of in case you die, then it’s often best to start early and buy life insurance while you’re young and healthy.

Ready to get started? Talk to the friendly advisers at MyInsuranceExpert.com and get a free quote on term life insurance.