3 Smart Life Insurance Moves That Matter More Than Ever in 2025

I’ll deal with that later.

Have you ever said this?

I know you have.

This phrase is commonly spoken by all of us the moment we consider:

• Dieting.

• Getting a better job.

• Finding the love of your life.

It’s also common when confronted with the responsibility of buying life insurance.

According to LIMRA’s 2024 Life Insurance Barometer Study, 39% of Americans say they need life insurance but have not taken action.

And more than 100 million adults in the U.S. are either uninsured or underinsured.

Life moves fast.

Jobs change.

Kids grow up.

Health conditions appear.

With everything else pulling at your time and money, life insurance can feel like a problem you’ll solve down the road.

But in 2025, the adage holds true: It’s better to have and not need, than need and not have.

Here are three things I talk about with nearly every client, and why they matter more than ever right now.

As we head into the latter part of 2025, you’ll want to avoid these three problems most people find themselves facing when it comes to buying life insurance. Get a free quote to speak to one of agents at Little Family Security.

1. Get Coverage While You’re Still Insurable

You’ve heard this one before, but it’s the truth.

The younger and healthier you are, the more affordable your rates.

Life insurance companies base everything on risk.

Wait until something happens, and your options shrink.

Your prices also go up.

In some cases, you may not qualify at all.

Whether you are healthy today or your health issues are manageable for now, the key is to get coverage in place while you still have options.

A small policy is better than none.

And once you have coverage in place, it can always be adjusted later.

2. Rethink the “Term is Best” Mentality

Term life insurance is ideal.

You get a ton of coverage for a low premium.

What’s not to love?

The problem with term life policies is that they expire.

Imagine building a home for your family using materials you know would break down in thirty years.

Your family is safe now, but that protection will one day prove insufficient.

That’s term life insurance in a nutshell.

Term is simple, affordable, and works well if you just want to cover a mortgage or income for 10 or 20 years.

But more people in 2025 are starting to look at permanent options like Indexed Universal Life (IUL) because of the flexibility and long-term value they offer.

An IUL can build cash value, offer tax-advantaged access to money in retirement, and provide lifelong coverage.

For people who want something more than just a safety net, an IUL is one of the most flexible tools available.

It is not just about having life insurance anymore.

It’s about creating something that helps you while you’re still alive.

3. Do Not Rely on Your Job’s Coverage Alone

Employer-provided life insurance feels safe.

You sign the paperwork as part of your orientation, and now you’re covered.

You don’t have to think about life insurance anymore.

Right?

This is a hard lesson I have seen too many people learn the wrong way.

Employer-provided life insurance is great while you have it.

But what happens when you change jobs, get laid off, or retire?

Group policies are inexpensive for a reason.

COBRA laws let you keep your coverage, but it’ll cost you.

And if your health changes in the meantime, you could be left without adequate options.

That is why I always recommend having a personal policy that stays with you no matter where you work.

A customized life insurance policy based on your needs and budget is something you own.

Something you control.

And something you can use to protect your family no matter your job title.

The Bottom Line

We are halfway through 2025.

There is no better time than now to set up a policy that fits your life, your budget, and your long-term goals.

You can reach out anytime for a quick 15-minute call.

I will walk you through the basics and help you figure out what makes the most sense for your situation.

Whether you are just starting a family, buying your first home, or thinking about retirement, life insurance is not about fear.

It is about creating peace of mind you can count on.

Get a quote for a customized life policy by visiting www.littlefamilysecurity.com and finish 2025 knowing your family is truly protected.