The Simplest Way to Buy the Highest Quality Life insurance at The Lowest Cost

Christi Group offers instant and accelerated decision individual life insurance from the industry's highest-rated carriers, up to $5 million dollars. No better way to purchase life insurance…on your time!

• Instant Underwriting with Same Day Coverage
• 100% Online Process
• No Medical Exams
• Up to $5 million Dollars in Coverage
• Extremely Competitive Rates
• Trusted and A+ Rated Carriers by A.M. Best

Lock in your lowest life insurance rate now!
The older you get, the more life insurance rates increase. The sooner you buy, the sooner you'll lock in your lowest premium—and save the most money in the long run.

A simple way to save on life insurance cost
Purchasing life insurance early typically sets you up for your best term insurance rates. The average life insurance cost can increase by 8%, on average, for each year you delay. However, the moment you sign your policy, your rate is locked in and won't change during the policy's term.

Life insurance tends to be less expensive for younger individuals due to several key factors. First, younger individuals are generally healthier and have a lower risk profile. Since insurance companies assess risk when determining premiums, the lower risks for younger individuals translates to lower term life insurance rates.

While you might think this is a form of age discrimination, it’s really more a matter of statistics. Insurance companies use actuarial tables and statistical models to estimate the likelihood of policyholders passing away during a specific period. These tables consistently show that mortality rates are lower for younger age groups, which is why they offer lower premiums for this demographic.


COMMON MISTAKES WHEN BUYING LIFE INSURANCE

Relying Solely on Employer-Sponsored Life Insurance
While life insurance through your employer is a great perk, it’s usually not enough. Most employer-sponsored policies only cover 1 to 2 times your annual salary—but financial experts recommend coverage closer to 10 times your salary to truly protect your loved ones.

Here’s the catch:
If you retire, change jobs, or are laid off, you may lose that coverage entirely. And if this happens later in life—or after developing a health condition—it may be more difficult and expensive to secure new coverage on your own.

By owning an individual life insurance policy, you gain long-term stability and control. No matter where your career takes you, your coverage stays with you—protecting your family through every stage of life. Having your own policy helps protect you and your loved ones against life’s unexpected changes.

Waiting until you have kids
Today, many people are choosing to start families later in life—but waiting to buy life insurance until you have children could mean missing out on locking in lower premiums.

Even if you don’t have dependents yet, life insurance still plays a vital role in your financial planning. It can help cover:

• Personal debts
• Medical bills
• Mortgage obligations
• Lost income
• Funeral and end-of-life expenses

This financial protection ensures your partner or next of kin won’t be left with a burden—and it lays the groundwork to safeguard your future family.
Buying early means lower rates, better options, and peace of mind, no matter what stage of life you’re in.

You assume you’ll remain in good health for a long time
When it comes to life insurance, your health is one of the biggest factors in determining your premium. The healthier you are, the less you pay—which is why locking in coverage early can be a game-changer.

As you age, the chances of developing health conditions like diabetes, high blood pressure, or cancer increase. These issues can drive up your premiums—or worse, make coverage harder to qualify for.

By securing life insurance while you're young and healthy, you not only lock in lower rates but also ensure protection for your loved ones—before your health status can change. Don't leave your future to chance. The best time to get coverage is before you think you need it.

Lowering Your Life Insurance Costs: What You Can Control
It’s no secret—life insurance rates rise as you age. While you can’t turn back the clock, the good news is you can influence other factors that impact what you pay.


HERE ARE A FEW SMART MOVES TO HELP YOU LOCK IN A BETTER RATE:

Maintain good health:
Healthier individuals typically get better rates. Regular checkups, exercise, and a balanced diet can pay off in more ways than one.

Quit smoking:
Tobacco use is a major red flag for insurers. If you’ve quit, or are considering it, your wallet (and lungs) will thank you.

Pick the right coverage and term:
Don’t overpay for coverage you don’t need. Choose a term and benefit amount that fits your financial goals and dependents' needs.

Your age is just one piece of the puzzle—how you live now can make a big difference in how much you pay for life insurance.

Bottom Line
The best time to buy life insurance? Yesterday. The second best time? Today.

The younger and healthier you are, the more you’ll save—and the more protection you’ll provide for the people who matter most.