December 2, 2023

To borrow the words of an old song, summer is here and it’s time to… buy term life insurance.

why is that? Well, we have several reasons.

But really, there’s nothing wrong with the time to buy life insurance — for just less than you pay for your streaming service, you can get a policy that helps ensure your loved ones don’t die while you’re at it. Sustain financial hardship while not around. (Think about it: you pay for everything from your mortgage or rent to your groceries. If you can’t pay your bills, who will?)

But because summer is here, we thought we’d explain exactly why it’s a good idea to stop procrastinating and enjoy the benefits of a term life insurance policy.

in the text:

It’s hot

Life insurance will keep your cool. Here’s how: You know how you sweat when you’re feeling panicky and terrified? Well, if you have a life insurance policy, you have one less thing to worry about — you know your family is financially protected in case the worst happens. Even better, you can get this protection for probably less per month than you paid for your last family pizza dinner or ballpark deal.

look? You already feel cool.

hot part two

In spring or fall, you’ll take a long walk in nature, enjoying the sights and smells of budding and/or dying leaves. Come summer, though, it’s all about the air conditioning. You might as well take a few minutes to apply for life insurance while you’re in there anyway. Thanks to Haven Life’s simple online process, you might be able to get coverage in minutes—or roughly how long a walk on a hot block takes to cool off.

summer friday

If you’re lucky enough to take a half-day vacation every week (or even weeks), you know how easy it is to waste those precious afternoons scrolling or playing Wordle.

Want to do something more productive during that time? Try applying for life insurance. It only takes a few minutes and discounted rates are available to healthy and eligible customers. For example, a healthy 30-year-old male could get a $500,000 policy for 30 years for just $29.99 a month.

Or, if you have already applied, now is a good time to schedule a medical exam.

Trust us: Wordle will wait.

summer vacation

You know what that means: relaxation, exploration, and of course, an increased chance of dying.

In 2021, an estimated 42,000 Americans will died in a traffic accident. If you’re hitting the road this summer, there’s a non-zero chance that this will be your last drive. (What can we say? We spend a lot of time with actuaries.)

But that doesn’t mean there’s nothing you can do. Fasten your seat belt, for example. Second, consider getting your life insurance policy leveled so that if something happens, your family will be covered by the policy’s death benefit. (See also: Other high-risk summer activities like setting off fireworks, swimming in a lake, enduring bites from disease-carrying mosquitoes, choking on popsicles…)


If you don’t already have a life insurance policy, now is always the best time to change it. After all, you’ll never be younger than you are, and the younger you are, the lower your monthly premiums are likely to be.

You’re also likely to be healthier than ever — for example, if the fall brings an unexpected diagnosis, you may have to pay more for life insurance, or even struggle to find coverage. We obviously hope you don’t experience adverse health conditions, but why take the risk?

Hey, maybe you’re starting a family. Or pay your mortgage for the next 30 years. Or saddled with student loan debt.

Or maybe you’ve started a family, taken out a mortgage, and are paying off debt. Between parenthood and home ownership, you’ve been putting off buying long-term plans like life insurance. However, if someone is relying on you to cover their expenses, life insurance is not only a good idea, it is necessary.

And, now more affordable than ever.
Still don’t believe it? Get a quote and see for yourself. Then make sure to drink plenty of water, enjoy some hot dogs or veggie dogs, and apply plenty of sunscreen. If things get too hot, think of the sweet, sweet relief that comes with peace of mind and let yourself cool off.

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About Louise Wilson

Louis Wilson is a freelance writer whose work has appeared in numerous online and print publications. He writes regularly on travel, sports, pop culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he developed a passion for breakfast tacos with his wife and two children.

Read more from Louise Wilson

our editorial policy

Haven Life is a customer-focused life insurance agency supported and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall health can be simple.

our editorial policy

Haven Life is a customer-focused life insurance agency supported and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall health can be simple.

Our content is for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little easier if they are right for your situation.

Haven Life is not authorized to provide tax, legal or investment advice. This material is not intended to be presented and should not be relied upon as tax, legal or investment advice. Individuals are encouraged to obtain advice from their own tax or legal advisors.

our disclosure

Haven Term is a term life insurance policy (in some states) issued by MassMutual of Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC DTC and ICC17DTC, including North Carolina). In New York, Haven Term is DTC-NY 1017. In CA, the Haven Term is DTC-CA 042017. Haven Term Simplified is a simplified issue term life insurance policy issued by CM Life Insurance Company, Enfield, CT 06082 (ICC19PCM-SI 0819 in certain states, including North Carolina). Numbering and features of policy and add-on forms may vary by state and may not be available in all states. Our agency license number is OK71922 in California and 100139527 in Arkansas.

MassMutual is rated A++ (Superior; Top Category 15) by AM Best Company. Ratings as of April 1, 2020 and are subject to change. MassMutual has received various ratings from other rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included in a Haven Term policy and provides additional services and benefits for free or at a discounted price. This rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of benefits and services available under Plus Rider provided by third party vendors (partners). For more information on Haven Life Plus, visit:

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