The best way to buy insurance at a reasonable price is to buy it when you don’t appear to need it; that is, when you’re healthy. However, it is seldom too late, or the wrong time to buy life insurance. You should review your life insurance protection with your Barrons advisor annually or whenever there are changes in your life, such as the birth or adoption of a child or a change in marital status. The purchase of a home or cottage, or a new job or launching your own business are also circumstances which should prompt a review of your insurance protection.