There are several reasons for purchasing life insurance now:

• You cannot predict the future or the timing of your death.

• The cost of life insurance is based on your age: the older you get, the higher the premium.

• Permanent life insurance contains a cash-value element that grows tax-deferred (with no immediate taxes) inside the contract. The more time the cash value has to accumulate, the greater the value will be.

• Buying now can help you avoid future insurability problems. Insurability is based on a variety of factors, including health and age, and rates are affected by certain health conditions, which may not be present now but may develop in the days ahead.

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