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Why spring is the best time to buy life insurance

5 reasons to get financial protection for your loved ones right this very second

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Temperatures are rising. Flowers are blooming. The life insurance policies are … er, policy-ing. (We think that’s a word.)

Point is, there are certain things that are pretty much synonymous with spring. And we think life insurance should be one of them.

Don’t believe it? Hear us out. Here are five reasons why spring is the best time to buy life insurance.

In this article:

Because you’re spring cleaning

Maybe you’ve already cleaned out the garage, thrown out the junk collecting dust in the attic, or even just did the digital equivalent, updating your passwords and making sure your contact info is up to date. Why not take the next logical step and cross “get life insurance” off your to-do list?

So sure, while you might think of spring cleaning as an arduous grind — heaving old boxes up and down the stairs; expending precious mental energy deciding whether you really need to keep that hard-earned Employee of the Month certificate from August 2015 — getting life insurance can actually be pretty simple.

You can get a quote in seconds, fill out an application in minutes, and qualifying applicants can even get covered immediately while waiting for their medical exam. (You can also consider no-exam coverage, like Haven Simple from Haven Life, but we emphasize that you need to be truthful when applying.)

In fact, buy life insurance now. Spring cleaning can wait.

Because April showers

Looking for the perfect rainy day activity? Applying online for life insurance is it. Whether you’re waiting out a quick sprinkle or a full-on operatic thunder-and-lightning storm, Haven Life’s quick-and-easy application means you can apply for life insurance while curled up all cozy and dry on your couch.

And you know what? If it’s sunny and dry, take the laptop outside and treat yourself to the timeless pleasure of applying for life insurance al fresco. Go ahead: Invite your partner and make it a date.

Because tax refunds

If you find yourself with a little extra cash after your annual appointment with Uncle Sam, consider putting a fraction of it toward buying life insurance. We say a fraction because that’s how little it costs: A 30-year-old woman, in excellent health, can buy a 30-year Haven Term policy worth $500,000 for just $25.40 per month. That’s less than a dollar a day, and probably a lot less than, say, your monthly streaming budget.

And unlike your TV subscription, your life insurance policy can help with some important expenses down the line. If something happens to you, your family can use the life insurance payout on pretty much anything: Funeral expenses, mortgage payments, educational costs, even basics like groceries and gas. Essentially, if someone depends on you financially, a term life insurance policy is a way to help make sure that person is able to pay for things when you’re not around. Which brings us to…

Because spring is the season of renewal

In nature, spring is when winter’s dry grass and bare-limbed trees give way to verdant fields and fully blooming leaves. Maybe it’s just us — after all, we do live for life insurance — but we think that renewal is pretty inspiring, and a great reminder that even though some things pass away, they leave behind the seeds of new growth, even new life.

Kind of like life insurance, when you think about it.

Buying a term life insurance policy is a way to help ensure that your assets (like verdant trees) don’t rot (like dead tree limbs), and instead continue to blossom in the future (imagine financial leaves on a money tree, blooming after a winter frost).

So whatever your financial situation — whether you’re starting a family, paying off student loans, or just building cash reserves for your emergency fund — term life insurance is a smart coverage option to help take care of your loved ones in case the worst should happen. If you die during your term length, your loved ones can use the death benefit to pay off debts, cover everyday expenses like groceries, and take care of the mortgage or tuition.

It’s beautiful, really.

Because it’s spring right now

Brass tacks, the best time to buy life insurance is always right now.

Why? Because you’ll never be younger than you are at this very moment. Because, as you get older, your health might decline. (It happens.) All of which means you can lock in affordable premium payments for the long term by purchasing life insurance as soon as you can.

And most of all, because tomorrow isn’t guaranteed to anyone, no matter how young and healthy you are. Having a term life insurance policy is one important way of providing financial protection for those you love, in case the unexpected should happen.

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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.

Our disclosures

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:

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