Life Insurance Facts and Statistics #7: Waiting Costs You More — Premiums Rise 258% Between Age 25 and 50

Financial Horizons: Insights for Building Wealth and Securing Your Legacy

By Dr. Jose G. Cardenas, Chief Tax Strategist at The C & R Group, LLC

Time is money — and when it comes to life insurance, time is leverage. According to industry data, the average life insurance premium for a male increases by 258% between ages 25 and 50. That’s not a typo. Waiting 25 years to secure coverage can more than triple your cost for the same level of protection.

The reason? Insurance is based on risk — and age is one of the biggest risk factors. As we get older, health concerns become more likely, and insurance companies adjust their pricing accordingly. That’s why the best time to buy life insurance is when you’re young and healthy — not when you think you “need it.”

1. The Price of Procrastination
Let’s put it in perspective. A healthy 25-year-old male might lock in a $500,000 term policy for under $25 a month. That same individual at age 50 could easily pay over $75 a month — or even more if new health conditions arise.

That’s not just a higher cost — it’s a missed opportunity. By waiting, you also lose decades of potential tax-free cash value growth in a permanent or Indexed Universal Life (IUL) policy. Those early years compound into long-term financial strength that can fund retirement, business ventures, or legacy planning.

In short, waiting costs you in two ways: you pay more for protection and miss out on wealth-building potential.

2. The Financial Strategy Behind Acting Early
Buying life insurance early isn’t just about locking in a low rate — it’s about securing your financial leverage. When structured properly, an IUL policy can function as a tax-free retirement asset, allowing you to borrow against your policy’s cash value later in life without triggering taxable events.

This approach helps you:

• Build a tax-free stream of retirement income.
• Protect your family and business from financial hardship.
• Create a legacy transfer plan that avoids probate and estate taxes.

The C & R Group’s approach goes beyond just “insurance.” We design comprehensive tax and wealth strategies that align with your income, future goals, and lifestyle.

3. Why Men Need to Plan Earlier Than They Think
Men often delay coverage, assuming they’ll “get around to it” once they earn more or settle down. But statistically, men face higher mortality rates and greater long-term health risk factors — making early protection even more critical.

A policy secured in your 20s or 30s is not just cheaper — it’s often guaranteed renewable and can grow with your life’s stages: marriage, children, business ownership, or retirement.

4. The Bottom Line — Buy Time While You Still Have It
Life insurance isn’t about predicting the future — it’s about preparing for it. The longer you wait, the more expensive it becomes to secure the same peace of mind.

If you’re serious about building generational wealth, don’t let procrastination cost you your financial advantage. Start early, think strategically, and partner with experts who understand both insurance design and tax law to ensure every dollar works harder for you.

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About the Author
Dr. Jose G. Cardenas is a retired U.S. Army Finance Officer and the Chief Tax Strategist at The C & R Group, LLC. With a Doctorate in Business Administration and over 20 years of experience in financial strategy, tax planning, and life insurance, Dr. Cardenas helps individuals and business owners protect their wealth and build a legacy. Learn more at www.thecrgroupllc.com.

📌 Disclosure
This article is for educational and informational purposes only and is not intended to serve as personalized legal or investment advice. Dr. Jose G. Cardenas, DBA, provides tax advisory services through The C & R Group, LLC. Insurance strategies, including Indexed Universal Life (IUL) and annuity products, may be offered through his role as a licensed financial professional affiliated with Experior Financial Group.

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