Why summer is the best time to buy life insurance
It’s hot. Life insurance is cool. Here’s why.
To paraphrase an old song, summer’s here and the time is right for … buying a term life insurance policy.
Why is that? Well, we have a few reasons.
But really, there’s no wrong time for purchasing life insurance coverage — for less than what you pay for streaming services, you get a policy that helps ensure your loved ones won’t endure financial hardship in the event that you’re not around. (Think about it: You pay for everything from the mortgage or rent to groceries. Who will foot the bill if you can’t?)
But because summer is here, we thought we should explain exactly why it’s a good idea to quit stalling and enjoy the benefits of a term life insurance policy.
In this article:
And life insurance will keep you cool. Here’s how: You know how you sweat when you feel panic and fear? Well, if you have a life insurance policy in place, you have one less thing to worry about — you know that your family has financial protection in case the worst should happen. Better yet, you can get that protection at a monthly rate that’s probably lower than what you paid for the last family pizza dinner, or for concessions at the ballpark.
See? You feel cooler already.
It’s hot, part II
Come spring or fall, you’ll be all about long walks in nature, taking in the sights and scents of budding and/or dying leaves. Come summer, though, it’s all about that a/c. And since you’re inside anyway, you might as well take a few minutes and apply for life insurance. Thanks to Haven Life’s simple online process, you might be able to get coverage in minutes — or about how long it takes to cool off from a hot walk around the block.
If you’re lucky enough to enjoy a half-day off every week (or even some weeks), you know how easy it is to waste those precious afternoons doomscrolling or playing Wordle.
Looking for something more productive to do with that time? Try applying for life insurance. It only takes a few minutes, and eligible customers in excellent health can enjoy some great rates. For example, a 30-year-old man in excellent health can get a $500,000 policy, for 30 years, for $29.99 per month.
Or if you’ve already applied, it’s a great time for scheduling your medical exam.
Trust us: Wordle will wait.
And you know what that means: Relaxation, exploration, and, of course, an increased chance of death.
In 2021, an estimated 42,000 Americans died in a traffic accident. If you’re hitting the road this summer, there’s a non-zero chance it’s the last drive you’ll ever take. (What can we say? We spend a lot of time with actuaries.)
But that doesn’t mean there’s nothing you can do. Wear a seatbelt, for one. For two, consider getting your life insurance policy squared away, so that your family is covered by your policy’s death benefit in case something happens. (See also: Other high-risk summer activities, like launching fireworks, swimming in a lake, enduring the bites of a disease-carrying mosquito, choking on a popsicle…)
And if you don’t have a life insurance policy in place, now is always the best time to change that. After all, you’ll never be younger than you are right now, and the younger you are, the lower your monthly premium is likely to be.
You’re also likely healthier than you’ll ever be — if autumn brings an unexpected diagnosis, for example, you’ll probably have to pay a lot more for life insurance, or even struggle to find coverage. We obviously hope an adverse health condition doesn’t come your way, but why risk it?
And hey, maybe you’re starting a family. Or paying down a mortgage for the next 30 years. Or carrying student loan debt.
Or maybe you’ve started a family, taken out a mortgage, and are paying down that debt. Between parenthood and home ownership, you’ve been putting off long-term planning like getting life insurance. But if you have people relying on you to pay for things, well, life insurance isn’t just a good idea — it’s a necessary one.
And, now more than ever, an affordable one.
Still not convinced? Get a quote and see for yourself. And then make sure to drink plenty of water, enjoy a few hot dogs or veggie dogs, and wear plenty of sunscreen. And if things get too hot, cool off by thinking of the sweet, sweet relief that comes with peace of mind.
About Louis Wilson
Louis Wilson is a freelance writer whose work has appeared in a wide array of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children.Read more by Louis Wilson
Our editorial policy
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our editorial policy
Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.
Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.
Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus
What our customers are saying
Sep 8, 2023
User friendly platform and very easy…
User friendly platform and very easy application process! Super content with Haven Life , consider them when shopping for a policy.
–Gabby Santosread more at
Aug 11, 2023
The ease of the process and speed in getting my application approved was terrific. Highly recommend using them for your insurance needs.
–Martinread more at
Aug 10, 2023
Simple and well-designed process for buying life insurance
Life insurance is an industry that seems stuck in the past - things like completing an application, filling out paperwork, scheduling medical exams, etc. are not handled online at many companies. At Haven Life all of this can be done and tracked online, and I hope that others in the industry will follow suit. Other positives include that pricing was competitive and easily available through an easy online quote. It was also possible to adjust the specifics of the policy throughout the process, even after underwriting was complete - changing my mind on one small detail did not require restarting the process. The underwriting process proceeded quickly. I was easily able to gain access to my lab results online. Etc. The process was easy at every step.
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Jul 27, 2023
5 STARS!⭐️ ⭐️⭐️⭐️⭐️ They made everything…
5 STARS!⭐️ ⭐️⭐️⭐️⭐️ They made everything simple, seamless and positive.
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Jul 12, 2023
Quick and Easy
Simple process, fast approval with out any exam.
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