什麼時候適時購買人壽保險？
什麼時候適時購買人壽保險？
 Honestly the best time to buy life insurance is when you are young and in good health. Your rates will never be cheaper and the potential benefits to you better. If you can afford a permanent plan, do it. Plans like these build cash value that is free from any taxation so long as they stay in the policy. If that is not possible financially, then look into a long term term plan with a conversion option. The conversion option allows you to switch all or a portion of the coverage into a permanent plan without having to go through any exam or underwriting. In both cases, another benefit is that you protect your insurability. We are not young forever and likewise some of us are not healthy forever either. Health issues later in life can prevent you from buying the insurance you may need or make it too costly.
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