---
title: Insuring Your Love in All of Its Stages
---

# Insuring Your Love in All of Its Stages

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## Insuring Your Love in All of Its Stages

- Posted on Tuesday, August 22, 2017

By Life Happens

Think of your life as a series of stages: youth, adulthood, parenthood, maturity. Each stage has its own loves, its own rewards – and its own reasons to purchase life insurance.

As you reach different stages of life and your needs change, consider how different life insurance products can help.

##### Youth

It may not be obvious to most people, but childhood is actually a great time to get life insurance, when health is not normally an issue and costs are lower. A parent or grandparent can purchase life insurance for a child or grandchild that offers three important advantages: it’s inexpensive; it provides protection for the unexpected; and certain types of life insurance could help protect your child’s or grandchild’s insurability. Term or permanent life insurance may be appropriate, depending on the situation.

##### Young adulthood

Young adults often struggle to manage debt from student loans while trying to get a start in their careers. Whether single or married, life insurance should still be a priority to protect the future. As with the youth stage, most young adults are in better health than they will be later in life – a major insurability factor. And, even if they don’t have children, young adults may have others who depend on their income: aging parents, younger or disabled siblings, business partners or close friends. Purchasing term insurance as a young adult is an inexpensive way to plan for the future.

##### Parenthood

This is the stage when a large number of people decide to buy life insurance. When children depend on you, a permanent life insurance plan can ease your mind. If you already purchased term life insurance, this may be a time to convert it to permanent coverage. Some parents also find it useful to supplement a permanent life insurance plan with term insurance during their children’s preschool or college years. Consider a low-cost option of adding a children’s rider on your policy to protect the little ones as well.

##### Maturity

The children are on their own. You’re winding down your business, looking to pass it on to a relative or a trusted employee. You’ve earned your retirement. Life insurance can help you achieve your goals of financial security as you mature. We can assist in a permanent life insurance policy to safeguard your future.

Whatever your stage of life, whoever you love, whatever your plans – a well-designed life insurance program can help secure your future.

_Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy._

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