Question about life insurance get it now or wait?

Hear is a question I saw from a website.

I need some advice. I am 49 years old and have started a family I guess you can say late in life. I am married and have a 5 year old and a 6 month old. I want to get term life insurance but don’t know if it’s better for me to wait until I get back in shape (overweight with high blood pressure now) or before I turn 50 in a few months. Any thoughts?


This is a common question. Too frequently people wait until they are in better shape or quit smoking in order to get the best insurance rates. Then they die in a car accident or they are diagnosed with cancer and the opportunity is lost.

Get the insurance in place now and protect your family now. You might pay an extra premium for your build but most companies will remove the rating after you have maintained weight loss for 12 months. Check with your agent.