Milestone birthday! Can you believe we are finally turning 21?!? Haha                                                                     Birthdays give you a reason to celebrate but also a reason to get life insurance BEFORE the big day.
Did you know that your life insurance rates are based on your current age? It will never be cheaper than it is today!  From www.investopedia.com; they explain how it is in your benefit to get the life policy before you get older.  Thinking of purchasing a new life insurance policy? Before you make a commitment, it’s important to understand how the annual premium for a new life insurance policy is determined.                                                                                                                                                                              
Whether the policy you’re considering is term (a policy for a set amount of time), whole (a policy that accumulates a cash value) or universal (a flexible policy that also builds cash value, but lets you shift between the policy's insurance and savings components), the annual premiums are influenced by a number of factors about your life. Among them are gender, the quality of your health and if you are, or ever were, a smoker. Family health history (did a parent have cancer or heart disease?), hazardous hobbies/activities such as hang gliding or scuba diving, international travel, your height and weight, and occupation (if you have a dangerous job or one with a higher-than-average mortality rate) can also affect the amount you’ll pay.
                                                                                   

Even if it isn’t your birthday; call the April Schaffroth Farmers Insurance agency. Party hats and cupcakes are optional.  www.insuranceinaz.com