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Advantages of Buying Insurance Early
It is cost effective if bought at a young age and for a longer period of cover. When you are young, you are also very healthy. If your cover expires at 55, it is expensive to buy it again especially you are dealing with health issues. The other need at higher age is protection against health-related expenses and cover for critical illnesses which have the tendency to exhaust the lifetime savings of the individuals. Term insurance policy is also bought to cover your existing and future liabilities that reduce with age, so it makes sense to buy a term insurance when you are younger.
A policy also is cheaper when you are younger. When you buy life insurance, the company calculates the risk involved to it depending on your medical condition and age. The younger you are the better your health, which means the risk to the insurance company is less. Which in turn brings down your premium amount making the policy cost effective for you.
Also, though you maybe young, chronic conditions like diabetes and hypertension start showing up early for some people. You don’t want to be caught off guard at the time of need and rather be well prepared. It makes sense for you to buy a term plan early so that you can avoid all this. Also, when you buy a life insurance policy before these health conditions develop in case they do, you will pay substantially lesser in premiums because the company considers the health condition of the person before deciding the premium amount.
It is always best to start early and buy a term policy to make it cost effective for you. HDFC Life offers a variety of plans for its patrons to choose from according to their requirement.
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ARN: ED/12/19/17049
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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Here's all you should know about life insurance.
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We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
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