As a 20-year-old, your client may have been a bit selfish. They spent money frivolously and without much thought. Whether they treated fast food as its own tier on the food pyramid or spent countless weekends driving hours to see friends, money was tight but there was little care.

Then they turned 30, slowed down a bit, got married, bought a home, started a family, and sunk their teeth into the first years of their career. They were still young and somewhat careless, with priorities more in focus but “long-term” goals were still far away.

Now they’re 40.

Around this time, they’ll start to look back as well as ahead. Retirement—once way out of sight—is now on the radar. The kids will be heading to college sooner than later too. It’s about now when many individuals begin to think, “what if I wasn’t here?”

It’s a good question to ask.

What if they weren’t here? What would their family do? Could the family survive without their income? Life insurance lessens those concerns. In fact, life insurance is a solution for several goals. Consider New Year’s. The most popular New Year’s resolutions include eating healthier, losing weight, managing debt, reducing stress, saving money, taking a trip, and helping others.

Life insurance applies to all of these, too.

If your client’s resolution is to lose weight and/or eat healthy, life insurance can act as a great motivator. The better health your client is in, the better rates they will receive. The difference between a 20-year-old and a 40-year-old can be $4,000 more annually. But waiting until 60 increases that figure by $12,000. So purchasing life insurance now saves money in the long run. With that saved money, your clients can take a more luxurious vacation later and manage debt more efficiently down the road too. Obtaining life insurance now is cheaper in the long run, freeing up more money for college tuition, retirement, vacation, and more. And once your client has it, they’ll have one less major worry to stress about.

The 40s are arguably the best time to buy life insurance.

It’s a good bet your 40-year-old clients have a family to protect, are making enough money now that spending it on life insurance isn’t a concern, and are still in good health.

Learn how things change when they hit their 50s.