If you have been putting off buying life insurance, here is what you need to know about current rates, underwriting changes, and how to lock in coverage now.
Rate increases are here
Several major carriers raised term life premiums in 2026. Age, health, and lifestyle still matter, but underwriting has tightened. If you are healthy, rates remain competitive. If you have health conditions, you may face higher costs or fewer options.
What to do right now
If you need coverage, apply sooner rather than later. Rates increase with age, and health changes can disqualify you. A licensed agent can help you compare multiple carriers and find the best rate for your situation.
The bottom line
Life insurance is not about you. It is about the people who depend on you. Even a small policy can make a big difference for your family. Do not wait until rates go up again or your health changes.