Buying life insurance may not be an exciting or glamourous purchase, but it could very well be one of the smartest investments that you’ll make for your family’s well-being. Why should you think about buying Life Insurance now? Because the earlier you buy the lower the cost. Since we can’t turn back the clock, whether you have health issues or not, this could mean higher premiums for down the road. It’s also best to be prepared since we can’t tell the future! Investing in your family’s financial security today, allows you to take advantage of better rates. And if there are changes to your situation, say you were a smoker when you first applied and you later quit, or there are other improvements to your health, you can always speak with your advisor and see about revisiting your plan and the rates.