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  • Writer's picturejimmy ting

New Year. New You. Why January is the best time to consider Life Insurance

With the stress of the holidays (and 2020 in general) behind you, and the great open vistas of 2021 ahead, now is an opportune time to pause and consider… life insurance.

You see, we might be biased, but we believe this is the very best time to buy a term life insurance policy. Now, we could just leave it at that — it seems self-evident to us — but we suspect you’re the type that needs to be persuaded. If you don’t know when to get life insurance, we are here to help. So, sit back, tuck into that healthy lunch you’ve resolved to eat all year, and prepare to be very, very persuaded.

It’s January now. And now is always the time to buy life insurance coverage.

Fact 1: You’ll never be younger than you are right now. Fact 2: The younger you are, the more affordable life insurance typically is. That’s because your overall health is a big factor in determining the premium you’ll pay — and with level set premiums (i.e., a premium payment that costs the same every month throughout your term), you want to lock in the lowest rate possible. Which brings us to Fact 3: No one likes paying more for something than they absolutely have to.

See? Now’s the time to start buying life insurance coverage. It’s just the facts.

New year. New you.

We’re not sure if anyone has said this yet, but… 2020 was kind of a challenge. Unprecedented, you might say. (And we did. A lot.) If you weren’t your best self, well, you weren't alone.

But that’s ok. As we flip the pages of the calendar, the promise of a new start means we can make better choices. Whether that’s resolving to make wiser financial decisions or just to improve in general, a term life insurance policy can play a key role in making those resolutions into reality. A life insurance policy is a cornerstone of long-term financial planning because it provides protection for your loved ones in case the worst should happen to you.

2020 taught us that anything can happen

Look. We’re feeling optimistic about 2021. There’s a coronavirus vaccine on the way; a difficult summer kicked off a series of healthy conversations and forward-thinking action on race in America. And of course, there’s the prevailing sentiment: How could this year be any worse?

Unfortunately, you never know. Twelve months ago, it would have seemed absurd that our holiday cards would have pictures of our mask-wearing kids next to Santas behind Plexiglass, but that’s exactly what happened. Uncertainty is part of life, and while we certainly hope that, by this time next year, the pain of the coronavirus pandemic is mostly behind us, there’s always a chance something else equally challenging will take its place. And, of course, the plague of racism in this country has persisted for centuries, and undoing systemic racism is a long-term project.

Point is, progress is not guaranteed, and longevity might not be around the corner. Part of living with this uncertainty includes preparing for unpleasant realities. This includes making sure that you leave behind a safety net in case something unforeseen should happen to you. Simply put, you don’t know what tomorrow will bring, but life insurance provides financial protection that can help your loved ones afford the things you pay for in the here and now. Whether it’s a large expenditure like a mortgage or just your regular grocery bill, there are a lot of expenses that your family counts on you to handle. Even funeral expenses can lead to major debt if your family or beneficiary is not prepared. Don’t leave them in the lurch by failing to plan for your absence. Make sure you have a death benefit that can help support your family if you are no longer with them.

Wow. That got pretty real. Let’s lighten it up a bit, shall we?

Life insurance is fun

Seriously. You’ve been quarantining, making sourdough, worrying about your finances and doing your part to build a better community. Why not live a little? Getting term life insurance is a way to do that. You get to answer a few questions about your health and habits, you get to (safely) interact with a real-life person if a medical exam is required, and most importantly, you’ll get the peace of mind that comes with taking care of your loved ones. If that doesn’t set your heart aflutter, we don’t know what will. (To be fair, life insurance is sort of our whole thing.)

What else are you doing in January, anyway?

It’s January. It's cold. It's dark. You’re still quarantined. Maybe you’re doing dry January… This is a long way of saying you might have a little time on your hands. And what better use of that time than taking care of your loved ones.

It’s still early, but there’s a chance 2021 could be your best year yet. One way to start on the right foot is to take care of those things you’ve been meaning to do for a long time. Like finally reading Moby-Dick or watching The Wire. Oh, and buying a life insurance policy that provides financial protection for your loved ones, and peace of mind for you.

Hey, just because the holidays are over doesn’t mean you can’t give one last gift to yourself, right?

For more information about Life Insurance call JCT Insurance Agency at (626)354-2000 or email

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