Five reasons you should consider life insurance when you are young


1.   Buying life insurance has never been easier!

The advancement of technology has made buying things much easier, including life insurance. Most insurers now utilize and accept electronic signatures and leverage software tools to submit an application. The need to print an application, sign, and then mail via the USPS is no longer necessary. Also, the need to have a face-to-face meeting with your boring captive agent is gone.  Purchasing life insurance from an independent Agent like us at Dtown Insurance is easy. All we need is a few pieces of information: Your age, gender, address, desired coverage (what you can afford) and policy length.  


2.   You can lock in lower rates while young and healthy

Buying a life insurance policy when you are young and healthy with less health issues will help you qualify for better, lower rates, and can help save money later. Sorry to say, no one knows what our health will be in six months, one year, or even further out as you age.


3.   Start planning for your future

Are you getting married and planning on starting a family, having children in the near future? Almost all family budgets and lifestyles (think home, car, vacations) depend on the dual income from a husband and wife. A life insurance policy can help with income replacement if something unforeseen would happen to you or your spouse.


4.   Are you buying a home?

Millennials (even those without children) now buying homes should also consider buying life insurance with the policy’s cash value at least equal to the home's value.

 

5.   Your employer's group life insurance will not travel

Many employers include life insurance as a benefit, but because it is job-dependent, you could lose this benefit if you switch jobs. Most likely this is a group insurance policy, and you can’t move the policy when you leave your job. And it’s highly unlikely this is your first, or second, job or will be your forever job. It’s always better to have individual life insurance outside of work, so you always have coverage in place – even if you change your job.


Twenty-two percent of insured Americans (29 million) believe they need more life insurance. For those without coverage, 59% say they need life insurance, which represents 73 million Americans. What coverage do you have in place today?

We are only a phone call away. We will do all the work to get you fast accurate life insurance quotes.

Call us today  215-345-1796


The Motorcyclist’s Guide to Insurance

June 4, 2026
Pennsylvania's Distracted Driving Law Effective June 5, 2026, the penalty is a summary offense with a $50 fine, plus court costs and other fees. Pennsylvania’s hands-free law may be referred to as Paul Miller’s Law. Paul Miller was killed in 2010 when a distracted driver crossed a center grass divider and traveled head-on into Paul’s car. If a driver is convicted of homicide by vehicle and driving while distracted, they may be sentenced up to an additional five years in prison. As a primary offense, drivers can be stopped by police if they have a mobile device in their hand while driving.  The law: Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer, or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines driving as operating a motor vehicle on a highway, including anytime the motor vehicle is temporarily stationary because of traffic, a traffic control device (e.g., a traffic light or stop sign), or other momentary delay. Defines the use of an interactive mobile device as using at least one hand to hold, or supporting with another part of the body, an interactive mobile device, dialing or answering an interactive mobile device by pressing more than a single button, or reaching for an interactive mobile device that requires a driver to maneuver so that the driver is no longer in a seated driving position, restrained by a seat belt. A driver may use an interactive mobile device if the driver moves the vehicle to the side of or off a highway and halts in a location where the vehicle can safely remain stationary. The hands-free law allows for an emergency use exception if it is necessary to communicate with a law enforcement official or other emergency service to prevent injury to persons or property. Pennsylvania's Texting-While-Driving Ban The law prohibits as a primary offense any driver from using an interactive mobile device to send, read or write a text-based communication while his or her vehicle is in motion. Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines a text-based communication as a text message, instant message, email or other written communication composed or received on an interactive mobile device. Makes clear that this law supersedes and preempts any local ordinances restricting the use of interactive wireless devices by drivers. " Faces of Distracted Driving " is an online photo series exploring the tragic consequences of texting and cell phone use behind the wheel by sharing the stories of people from across the country who have been injured or lost loved ones in distracted driving crashes. Click here to view "Faces of Distracted Driving." Dtown Insurance agents have many years of experience in auto insurance. Our agents prioritize getting you the right coverage for the best price available. One of the best auto insurance carriers we work is AAA, one of the country’s largest and most reputable insurance carrier in the United States. Call today
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