When Should Life Insurance Be Purchased? 
Life insurance should be purchased when your health is good , if possible . That is when you can get the lowest rates . However , many people are born with health conditions that prevent them from qualifying for the best rates , and many other people do not think of purchasing life insurance until a health scare arises . While they will pay more , that is no reason to avoid getting life insurance . If anything , persons with poor health need it more , and appreciate whatever protection they can leave their loved ones . 