When should a newly married couple look into buying life insurance?

UPDATED: Aug 6, 2012

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Asked August 6, 2012

1 Answer


Life insurance is important for a number of reasons, and is not reserved only for married couples. On the other hand, getting married presents a whole new range of insurable interests that need to be considered. In addition to the question of when Insurance is required, you should also consider what types of policies you will need.

There is no minimum age at which a life insurance policy is necessary. The most affordable policies are whole life insurance policies bought for children. Not only do children receive the lowest possible rates, they also avoid possible exclusions which could develop later in life, such as those related to medical conditions like diabetes or asthma.

Many married couples buy a home as a new family, and the home itself should be covered under a life insurance policy. This can be accomplished with a term life policy that expires after the mortgage is paid off. Mixing whole and term life policies will provide your family with the best coverage at the most affordable prices.

There are also the considerations of providing for the surviving spouse or other family members if one of you should pass away. This need is just as true for the breadwinner as for a stay at home parent, because both are contributing a very high value to the family.

As you can see, the simple answer to your question is that you need life insurance right now. Consider both the needs which have an expiration date and those which will never expire, and purchase life insurance policies to match them. The longer you delay having the necessary coverage, the higher your costs will be and the greater the risks and premiums when you compare life insurance quotes, plus the very real possibility that one of you could pass away before a policy is purchased at all.

Answered August 6, 2012 by Anonymous

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