Permanent insurance gives you insurance protection for the rest of your life or if you are interested in using a certificate to accumulate some money for the future. Cash value certificates cost more and take a couple of years before they really start building some value. There are several reasons we recommend immediate action. Right now you are the youngest you will ever be. Another consideration is your health.
Insurers insist on people being in relatively good health.
Naturally, as a person grows older more illnesses and ailments begin to show up. Today may be the healthiest you will ever be. And finally, a person's occupation and avocation can affect his or her insurability. SNPJ, of course. Out of the 2,000 life insurance companies and fraternal societies in America, less than 100 have been in business as long as we have.