When Should I Purchase Life Insurance? 
When you should purchase life insurance is a good question . Since insurance premium increase the older you get , purchasing when you are young and healthy is the best time . One approach would be to buy a base of permanent level premium coverage with a guaranteed insurability rider and a large block of inexpensive term insurance . This would lock in your insurability . Most people do not think that far ahead and buy insurance to cover a specific current objective , such as protecting family income today rather than looking forward and anticipating future needs . An independent insurance broker can help you find the right policy at the right price . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 