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10 Reasons Why I Bought Life Insurance Before 30 [And Why You Should, Too]

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In This Article, I’m Going To Talk About The Reasons Why I Decided To Buy Life Insurance Before I Turned 30

It’s atypical for a young person such as a Millennial or Generation Z to consider buying life insurance at such a young age. The typical person buying life insurance is in their forties or older. They have had significant time in which to build a career. They’ve started a family and began to retain both assets and liabilities.

They feel that the need for life insurance is obvious. Now there are people depending on them. They need to maintain their livelihood if, in fact, the said person were to pass well in advance of expectations.

Maybe you share some of these same circumstances. You may have a family and children, thus propagating the need for life insurance.

Today’s Topic Overview:

Stories from the field

Early on in my career I was working in a rural part of Tennessee where I met two older ladies who were sisters. They were living together in a small house and taking care of their elderly uncle who also lived with them.

They had requested to talk to me because they were concerned about what would happen when their uncle passed away. They didn’t have any savings and they wanted to ensure they could afford a proper funeral for their uncle.

Both of these ladies had life insurance themselves, so they understood the process and how important it was. I was able to qualify their uncle for first day full coverage despite some of his health challenges.

About 2 years later I got a note that the uncle had passed away. I’m pleased to say we were able to provide a death claim payout within 24 hours to help the sisters cover funeral expenses.

Having access to funds in a time like this is hard to understand until you go through it personally. It makes such a difference, especially under the stress and strain of losing someone you love.

If you are curious about what your monthly rate might be, give us a call for a free quote at (888) 626-0439. You’ll speak a friendly broker who can guide you through your options and answer questions along the way. If you’d prefer to send us a message, simply use our contact us box located on this page. A representative will get in touch with you within 24 business hours.

10 reasons why it’s good to buy life insurance before 30

I’m not just as an insurance agent. I’m also someone who is close to your age. I am here to convince you that it’s important to buy life insurance at a young age. There are all sorts of positive reasons. It will help out people that you love. It exemplifies your level of responsibility. It takes care of serious matters like these that nobody really wants to talk about.

1. Price

Price is the biggest component that dictates why one should buy younger. I have worked in this business for almost a decade now. I have lost count of how many people in their 50s, 60s, 70s, even 80s have told me how much they wish they had bought life insurance at a younger age. Their price point is now ridiculously high.

Buy life insurance while it’s super cheap. It’s not a huge obligation on you. There are all sorts of memes on the internet about it! “If you can afford to buy new Air Jordans or pay for your cell phone, but you can’t find the money to buy life insurance, you’re ridiculous.”

There’s a lot of truth to these memes. The price point for life insurance in many cases can be $10, $20, or even $30 a month. For introductory plans that cover substantial amounts, well above six figures!

Price shouldn’t be an objection for you to buy a coverage. Find a budget that you’re comfortable with, even if it is $10, $20, $30 a month. Then find a broker like us at We will help you shop those coverage amounts so that you can get affordable life insurance in place. Help defend against potential issues. If you were to pass away would you leave your family in a burdensome situation?

Below you’ll also find some price points on different levels of life insurance for people at age 28 and 30. If you’re younger than 30, the price points most likely will be less expensive. You’ll see $100,000, $250,000 and $500,000 10-year term life insurance plans at preferred plus rates.


2. Amount Of Coverage Related To Price Point

You can get a substantial amount of life insurance. At 28 I took out a life insurance plan. It was my first one. For only $47.50 a month, I was able to buy a life insurance plan through Prudential for $500,000.

This would provide my family with enough money to live on comfortably for many years to come. They would have time to get back into the financial swing of things; providing for themselves. It wouldn’t leave them on the streets. I felt good about this purchase.

What was great about it is $50 a month was no big deal. It breaks down to barely $12.50 a week. I spent more on that weekly on ice cream and beer, my favorite cheats.

This should be another compelling reason to buy life insurance before age 50. How much coverage you get. Even if you didn’t want $500,000. You can get $250,000 coverage or less under the age of 30 for the premium of $10, $20, $30 a month. It’s crazy how cheap.

3. Starting A Family

This is a big motivation in buying life insurance. If you’re single, it’s natural not to care too much about these things. If you pass away, who’s really going to worry? Who’s going to depend upon you? Who’s going to be burdened by your death?

Very likely it’s not much of anybody. If you’re single and looking for life insurance, I commend you for thinking well in advance. Most likely you’re starting a family, having your first or second child.

You’re realizing that a lot of people will depend on you. Say that you were just whisked away one day, an unexpected passing. The loss of your financial capacity in their lives would have a dramatic effect.

Life insurance doesn’t replace you. It replaces that which you would have brought into the lives of people that you love. With it, they are that much better off than if it wasn’t there.

I can’t tell you how many times, as an insurance agent, I’ve come across families that did not have life insurance when they most desperately needed it. This is your opportunity. Not just to get a lot of coverage at a cheap rate, but to take care of your family at the earliest time possible.

4. Getting Married

Getting married is a great catalyst for buying life insurance. You’ve recently got married. Congratulations. Take care of your spouse with enough life insurance to protect him or her should anything happen to you.

5. It’s Much Easier To Qualify

This is generally the case as long as you don’t have problems with health. Most people below the age of 30 do not take medication. Their height and weight are in a good area to be considered for qualifying for life insurance.

You’re 50 or 60. You take a few blood pressure pills. Your weight is out of whack. Maybe you’ve had some health problems in the past. It’s much easier to start the process for life insurance when you’re young without health problems.

Take advantage of your good health. Life insurance companies love insuring you. They feel pretty good about charging a low rate.

You’re going to stick around for a long time. You won’t have that much problem paying the premiums for a long time to come. Statistically, the odds are that you’re going to be here for a while.

6. Exams Are Optional

I put this in here because there are a lot of people who are just flat out afraid of getting some sort of exam. Maybe you’re afraid of needles. Getting blood withdrawn. Peeing in a cup. Having to talk to somebody about all sorts of weird health issues.

Don’t let that be an obstacle to you getting life insurance. There are lots of life insurance plans that don’t ask questions. They don’t even do an exam. They simply allow you to take an application, submit it, and then find out if you’re approved, usually within a couple of days to a couple of weeks.

The downside is that you’ll pay more for it per dollar of coverage. There’s no up to date information on your health. However, if you’re flat out afraid of doing exams, this is a great option to get some kind of coverage on the books.

You’ll have some kind of protection. You don’t have to worry about going any further in life without it.

7. Workplace Insurance Is Not Enough

Did you know that workplace insurance does not provide sufficient coverage? It probably only covers 3 to 5x the amount of your wage.

You may think that’s a lot. But most financial planners agree that 10x your earnings is an appropriate starting point for life insurance coverage. At best, you need to supplement your workplace insurance. Take out an additional life insurance policy through a private plan.

The other concern with workplace life insurance is whether or not it will go with you if you happen to quit, retire, or become disabled.

These are issues that probably aren’t on your mind if you’re looking for life insurance under the age of 30. But they’re very relevant. You may stay with the company for a while, then find that you can’t take that good quality life insurance with you.

What if something happens where you’re not working? More reason to buy a private life insurance plan. This will go with you wherever you go, to whatever extent you live. You don’t have to worry about what would happen, even if your job changed.

8. Easy To Understand

You may think that life insurance is complicated. I’m here to tell you that it’s not. Here is a brief explanation of your life insurance options if you’re under the age of 30.

If you would like to get your free quote simply send us a message or call us at (888) 626-0439. You’ll speak to a friendly representative who can provide you with more information about premiums and policy types. You can also send us a message to get a no obligation quote. Simply fill out the contact us form found on this page and we will be in touch soon.

Term Life Insurance

Term Insurance is designed to cover for a set period of time. After that period, premiums either go up through the roof or the policy cancels entirely. Term insurance typically lasts for 10, 20 or 30 years.

In that term period of time, premiums never increase. If you die during the term then the policy will pay out a full benefit to your beneficiary. This is the cheapest way to get life insurance on the books. It’s the most commonly purchased option when someone’s looking for life insurance.

Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage

Case study examples

First Child and Hypertension

A young couple gave us a call after having their first child. The experience made them realize that if anything happened to either of them, the surviving spouse would struggle financially with a limited income.

Looking to get term insurance in place, we talked about their health history and discovered that the husband struggled with high blood pressure. He had heard this could affect the cost of a policy and was concerned.

We looked at a number of options for this couple and found a policy that met their budget and coverage goal. They were very pleased with the outcome and grateful to finally have peace of mind in knowing they had life insurance on the books.

Though we can’t guarantee the same positive outcome for every individual under 30, we do our best to shop among a number of providers to find you coverage and the best value for your money.

Cremation Coverage on a Fixed Income

A young woman named Ms. Pearson got in touch with us at the age of 28 looking for cremation coverage. She only wanted to get enough coverage to ensure her final expenses would be taken care of.

Though this young woman was aware of the importance of life insurance, she also knew she had to stick to a specific budget in order to be able to afford it. Understanding that many of our clients are on a restrictive income, we took her information and looked at a number of options.

I’m pleased to say we were able to find this young woman quality first day coverage at a price she could afford. This meant she was able to get life insurance on the books and at the same time have peace of mind in knowing she wasn’t overpaying for her life insurance.

Every application is different, we can’t guarantee coverage, but we certainly do our best to get a positive outcome for every client.

Permanent Life Insurance

The alternative to term insurance is permanent life insurance.

This does not cancel due to age or health. There’s a guaranteed payout no matter what age you reach.

This usually costs 5 to 10x more than term insurance. It’s a great purchase for people who just feel they are going to spend money on insurance and they want it to be there no matter the circumstances.

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance


$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay

9. You owe people money

What happens if you died owning a business and you are indebted to somebody? What if you have a house and you owe money on a mortgage? When you pass away, would your survivors have to pay for it? Would you want them to pay for these obligations?

Life insurance is the perfect solution to these problems. You can buy life insurance not just to give your spouse money, but to pay off debts or a mortgage. You don’t want your loved ones to be shackled with repaying that debt with your income gone.

A mortgage protection life insurance plan eliminates the mortgage debt. It leaves the house free and clear to your family. It relieves that possibility of losing your homestead, forcing your family to move out because now you’re gone.

Top 7 reasons people buy life insurance for income replacement

1.Love their family
The biggest motivator to buy life insurance for most consumers is that they love someone and want to ensure they are taken care of financially. A life insurance policy does a great job of providing financial stability for your loved ones if you pass away sooner than expected.

2.Realizes mortality
If you are in your 20’s you probably don’t want to think about your own mortality. When you are young and healthy it’s hard to consider your own death. But smart people realize the perfect opportunity to take advantage of life insurance premiums is when you are young and in good health. This results in an affordable policy that is hard to get once you are older and have chronic health problems.

3.Rates are affordable
It’s surprisingly affordable to get an income replacement plan. We here at Buy Life Insurance for Burial are able to shop among a number of providers to provide you with the best value for the price.

4.Custom tailored
You can tailor a number of features of life insurance to meet your specific needs. Coverage amount, type of coverage, and riders are some of the options that can be considered when building an income replacement plan.

5.Covers debts
With income replacement your beneficiary can choose how to use the death claim. They can put the funds toward covering final expenses, paying down debt, or even funding the cost of day to day living. Typically people use income replacement to cover financial obligations like mortgage payments or credit card bills.

6.Useful riders
Additional options that you can add to your policy are called riders. They can enhance the coverage that you already have by providing income replacement for things such as disability and critical illness.

7.Exam is optional
Though we often recommend that our clients go the exam route when applying for life insurance, not taking an exam is always an option. If you would prefer to skip the doctor’s visit and blood tests, many life insurance companies will allow you to do a non-medical application in order to get income replacement insurance.

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Next steps

If you’re interested in qualifying for life insurance, visit my website. You can go to and grab a free quote.

I do ask that you message me first. You can do that by clicking the contact box; the one at the top or the bottom, and send me a quick message. Or just call me. The best way to reach me is (888) 626 0439, and speak with me live.

I hope you have found this article useful. If you are under the age of 30 and looking for quality life insurance coverage, we would love to speak with you.

Life insurance is such an important investment for your peace of  mind and your family’s peace of mind. Find out what you might qualify for by giving us a call (888) 626-0439 or sending us a message. 

We hope to speak with you soon.


We work with individuals across the nation to secure the best life insurance rates.

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