Some policies won’t be available after certain ages.

An 18 year old ME could buy a $100,000 30 year term policy with Accidental death benefit rider, waiver of premium rider and guaranteed insurability rider for $17.42 a month!

$100,000 dividend earning whole life policy with the same riders  is $94.38 a month and will have cash value at age 70 0f $103,941

Imagine having 4 of these policies that you could use throughout your life and supplement your retirement!

63 year old me can’t apply for a 30 year term policy so I’ll use 20 year term numbers.

$168.72 a month with no riders!

A whole life policy with no riders is $377.74 a month and will have cash value at age 70 of $21,504

NOTE: These numbers are from Foresters and other carriers may vary but the point is , DON’T WAIT!