Why Fall is the best time to buy life insurance
From the comforts of financial protection to the dangers of leaf-peeping, the reasons you should get coverage this season
Smell that? It’s the refreshing scent of cool fall air, mixed with a soupcon of … could it be? Yep, that’s it: The sweet, sweet olfactory pleasures of life insurance in the fall.
Okay, maybe we got carried away there. (We did, after all, just use soupcon in a sentence.) But hear us out: Fall is almost here, and it’s a great time to buy term life insurance.
Why is that? We’ve outlined five big reasons below. But suffice it to say it’s always a great time to buy life insurance, an affordable way to provide family protection for the ones you love on the off-chance that the worst should happen to you.
If you have kids, or a mortgage, or thoughts of starting a family, or just someone who depends on you (and your income) for their well-being, you should probably consider getting a life insurance policy. Generally speaking, you want a term length that lasts until the kids are out of college, until your mortgage is paid off, and / or until you expect any dependents to no longer rely on your income for their care.
As for how much coverage you need, a good rule of thumb is a policy worth around 10 times your annual income. And best of all, thanks to competitive rates offered by Haven Life, a policy of that length and value is probably more affordable than you think.
Those are the basics. As for why fall is the best time to buy life insurance, grab a pumpkin-spiced latte, settle in under a big flannel blanket, and read these five reasons why buying life insurance in the fall is a good idea.
In this article:
Life insurance fits like a cozy sweater
Fall is a season of comfort — flannel shirts, crisp weather, and, of course, cozy, cozy sweaters. Well, it turns out life insurance offers comfort, too. When you buy financial protection for your loved ones in the form of a life insurance policy whose death benefit can be used for a wide variety of expenses — from burial or cremation costs to mortgage and tuition payments — you’ll also be getting peace of mind. It’s like an autumn sunset for the soul.
Leaf-peeping can get very, very dangerous
Did you know that every year, more than 300 deaths are attributed to accidents incurred during leaf-peeping excursions? Of course you didn’t, because we just made it up. But that’s the thing — you never know when the Grim Reaper might come knocking on your door. (And hey, fall is also the spooky season, what with Halloween and whatnot.)
But while you can never truly prepare for the unexpected, you can at least have a plan in place in case something goes awry — and a good plan includes having a life insurance policy in place, so the death benefit can help take care of your loved ones in case it does.
The sun is setting earlier
In summer, a long evening outdoors made sense — at a ballgame, at your friend’s barbecue, whatever. In fall, come 8pm or so, you’re much likelier to hit the sofa and flip on Hulu. So hear us out: Instead of vegging out with TV, use that time to do something productive — like getting life insurance coverage. And with Haven Life’s convenient online application process, you can buy coverage faster than you can watch an episode of The Bear. (It’s a lot less intense, too.)
Haven Life Plus is fall-ready
What is Haven Life Plus? It’s our bonus rider, a suite of services for eligible Haven Term policyholders that mean Haven Life provides something to customers while they’re still living. These on services include:
- Aaptiv, a fitness app with countless workouts for everyone from beginners (including families) to experts. A yearly subscription normally costs $99; eligible Haven Term policyholders enjoy it for no cost.
- Trust & Will, an online trust and will service (you guessed it). Eligible Haven Term policyholders get their choice of one individual or couples trust, will or guardian plan, at no cost (normally up to $699).
- LifeSite, an online document storage system with military-grade encryption. Eligible Haven Term policyholders enjoy a LifeSite Plus subscription for you and up to five family members, normally $80/year, at no cost.
- Lantern, a site offering expert guidance for both the bereaved (should you lose a loved one) and for the living, who can use Lantern’s resources for end-of-life planning. Eligible Haven Term policyholders can get a full pre-plan premium membership and 1-on-1 post-loss consultation for no cost — normally this costs $149.
- Timeshifter, an app that helps you combat jet lag using NASA-backed science. Eligible Haven Term policyholders receive an unlimited jet lag plan, normally $24.99 per year, for no cost.
- CVS MinuteClinic, inside many CVS pharmacies and Target stores, where you can receive services like flu shots without an appointment — and eligible Haven Term policyholders get a 15% discount on any single CVS MinuteClinic service.
All of these things will come in handy this fall — after all, there’s never a bad time to get fit, make end-of-life plans (including making a trust and/or will), secure important documents and passwords, travel across time zones, or, er, need urgent medical care.
It’s unofficially fall right now
And soon, it’ll officially be fall. And it turns out, “right now” is the actual best time to buy life insurance. For one, premiums are determined by factors like age and health, and you’ll never be younger than you are right now. (And typically, your health declines as you get older, which means you might pay a higher premium if you get insurance later rather than sooner.)
More importantly, and we hate to say it, but the worst could happen at any time. Literally any time. (Yes, even during Decorative Gourd Season.) Having coverage in place sooner rather than later will help protect your loved ones in case it does.
We hope it doesn’t, but that’s what Haven Life is all about: Making the hard things in life a little less hard.
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
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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.
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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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