Insurability Is a Privilege, Not a Right

Insurability Is a Privilege, Not a Right

people don’t say, “I don’t want to protect my income” They say things like:

• “I’m going to do it soon.”
• “Right now money tight.”
• “Let me get through this month first.”
• “I just have a few things to sort out.”

Life is busy.

But here’s the part you probably don’t realize: life insurance isn’t something you can buy whenever you finally feel ready. The ability to get approved is tied to your health, and that can change fast.

The simple truth

Insurance companies don’t approve you because you want insurance. They approve you because, on paper, you’re healthy enough for it.

So even if you have the money later, you might not have the health later.

And it’s not always some big scary thing. Sometimes it’s:

• high blood pressure,
• diabetes,
• a heart issue,
• maybe an immediate family member getting sick,
• a new medication,
• something that needs “monitoring,”
• or a doctor saying “we need to run a few more tests.”

Those small moments can change what you qualify for.

Waiting usually means paying more (even if nothing happens)

Even if your health stays perfect, waiting usually costs more because premiums go up with age.

So people often end up in one of these situations:

• paying more for the same amount of coverage, or
• buying less coverage to keep the payment comfortable. (maintaining the premium)

This isn’t about buying a product. It’s about keeping your life steady.

If you’re the one paying rent or mortgage, buying groceries, keeping lights on, paying school fees—then your income is what keeps the whole thing moving.

Life insurance is just a way to make sure your family doesn’t have to scramble if you’re gone prematurely.

Not because you expect something bad. Because you know life happens.

The part I want you to sit with

If you have kids, a partner, a parent who depends on you, or even someone you help out every month… it’s worth asking:

If I wasn’t here next week, what would they do?

Not forever. Just next week. Next month. The next year.

That’s what coverage is supposed to solve.

If you don’t know where to start, do this

Don’t overthink it.

1. Think of your monthly “must-pay” bills.
2. Think of how much it costs to sustain your family for 20 years. (annual expense * 20 years)
3. Look if your current coverage covers that number you got.

And if you want a simple starting point, run the Financial Checkup. It helps you see gaps without guessing.

Last thing

Nobody plans to need a seatbelt. They still wear it.

Same idea here.

Use your good health while you have it.

Start with the Financial Checkup.