Occasionally we read comments people write in various online forums and blogs, complaining they are being rejected by their life insurers, following either deterioration in their health status, or after they have been diagnosed with some illness.

Most of these people are right: life insurers evaluate risks professionally, and regard the medical state of a person applying for cover as a key factor in evaluating the life expectancy, based mainly on their own statistics and their reinsurers restrictions.

These two colliding truths cannot be solved by a frustrated correspondence over the web, and though people can have the sympathy, empathy and consent of other readers, they are in most of the cases beyond the non-return point, as far as the consideration of insurers to accept them into cover.

The solution is, or better should be: buy when you can, not when you need.

Many times we meet with insurance marketing personnel: insurance agents and brokers, direct insurers personnel. Most of them have the same complaint: people that are not in need, do not buy insurance willingly.

It is a human instinct to decline thoughts about risks, illnesses, disasters. We tend to think: It will not happen to me! This motto is the danger of one protection against future risks.

When you are younger, healthy and able, purchasing protection against rainy days is easy, cheap and worthwhile. Try doing the same at older age, when you have already some medical difficulties, and the daily expenses demands any penny you make, and it is difficult, much more expensive, and sometime even impossible.

It is quite rare that medical problems, that are preventing you from getting insurance, are found in a newly born child. Every day we postpone getting the insurance protection after that, is a risk we should consider.

So what can one do? Buy when you can not when you need.

And what about those thousands and millions who did not buy it in time? Well, for some of them there is no insurance solution, but for most of them, there are some solutions. They are more expensive, but not necessarily uneasy to get. Both life and travel insurance can be obtained online with some insurers.



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