Murphy’s law doesn’t just affect the Sixers. Bad things happen to good people at the worst time. Over the years, some clients finally make the decision to buy life insurance, then get denied. It is not a given that you can get affordable life insurance. An insurance company will not insure a house that is on fire. They won’t normally insure someone who is chronically ill. Buy insurance when you don’t need it. Your family will not care if you bought it a year or two early, if you were to die.