Why You Should Get Life Insurance Before a Hospital Stay

Find out why it’s smart to get life insurance before a hospital stay. Learn how age and health impact your life insurance rates and how early coverage helps protect your family’s financial future.

11/8/20251 min read

a brick building with a bench in front of it
a brick building with a bench in front of it

When it comes to life insurance, timing is everything. The best time to secure coverage is before you need it, when your health is at its best. Many people wait until after a medical emergency or hospital visit to consider life insurance, but by then, options can become limited and premiums can become expensive.

Life insurance companies base your rates on age and health. The younger and healthier you are, the more affordable your coverage will be. There's no better time than now to plan for the future.