Buy Life Insurance Before Your Next Half-Birthday

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Here’s a little-known fact that may help you save money on life insurance: when it comes to underwriting, insurance carriers typically rate clients to their closest birthday.

What does that mean? It means that if you are 39 years and 5 months old, you will be rated as a 39-year-old. If you are 39 years and 6 months old, you will be rated as a 40-year-old. And so on.

So if you are looking to lower the cost of life insurance, one way to potentially save some money is to buy it before you are within 6 months of your next birthday – especially one of those “milestone” birthdays at which you enter a new rate bracket. 

New marriage, new baby, new job, or just the desire to put things in good order for your family – these are all reasons to buy, upgrade or change your life insurance coverage. Additionally, there is so much that life insurance can potentially accomplish for a business owner, a couple or a family.

I invite you to learn more – and I urge you to review or look into life insurance coverage before another 6 months pass with the real possibility of premiums going up. 


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Financial Advisor offers Investment Advisory Services through Eide Bailly Advisors LLC, a Registered Investment Advisor. Securities offered through United Planners Financial Services, Member of FINRA and SIPC. Eide Bailly Financial Services, LLC is the holding company for Eide Bailly Advisors, LLC. Eide Bailly Financial Services and its subsidiaries are not affiliated with United Planners.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

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Financial Advisor offers Investment Advisory Services through Eide Bailly Advisors LLC, a Registered Investment Advisor. Securities offered through United Planners Financial Services, Member of FINRA and SIPC. Eide Bailly Financial Services, LLC is the holding company for Eide Bailly Advisors, LLC. Eide Bailly Financial Services and its subsidiaries are not affiliated with United Planners. 
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