When Should You Buy Life Insurance

Many people do not realize it is easier and cheaper to buy life insurance when you are young and healthy!


Life insurance agents recommend getting a policy in your early 20s. While life seems to just be starting at this young age, you can expect things to change as marriage, home ownership, children, and careers start to take prominence.


Additionally, life insurance premiums are much lower when you start at an earlier age, and as you progress through life, you can work with your agent to make changes as needed. Life insurance can be purchased at various ages, but specific milestones exist that life insurance brokers acknowledge as being more important.  The best age to buy life insurance is between ages 25 to 30.


When You Have A Family

Life insurance is most often seen as important when you start a family.  What would your spouse, son or daughter, do without your income? How long could they maintain their lifestyle?  Often times when starting a family you incur larger debt, life insurance can pay off the debts if something tragic happens.


Aging Parents

The cost of care for seniors can be very expensive, depending on their health needs. Whether you are caring for them yourself, or paying for the assistance they need, you want to be sure that the necessary care continues if something were to happen to you.


When Purchasing A Home

As a family grows, the home must accommodate the new little residents. Life insurance provides a safety net when your own a home with a mortgage, helping to make sure that the financial payments are covered in the event of a tragic, or untimely death.


When You Own a Business or Self-Employed

Life insurance agents strongly recommend getting life insurance if you are self-employed, or own a business. In both scenarios your finances and your business’ future can be secured if something were to  happen to you, and also allowing you to worry less. Life insurance can provide cash to pay off business debt, expenses incurred, and still owed by your business 


Dtown Insurance agents are experienced in all types of life insurance: Term, Whole, or Universal life insurance.  We also have access to multiple life insurance companies, like Banner, AAA, and Pacific Life. Call us today at 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
Two people working on home generator.
May 6, 2026
Does a generator lower home insurance or help prevent claims? See how home generators protect against outage-related damage and when they make sense.
thunderstorm home insurance
March 23, 2026
Find out what homeowners insurance covers after a thunderstorm — from lightning strikes and hail to wind damage and power surges. Learn how to file a claim.
Show More