Active vs. Reactive Insurance Planning: Which Approach Do You Take?

When it comes to life insurance, timing isn’t just everything—it can be the difference between long-term protection and last-minute panic. At BC Brokerage, we often see two distinct approaches to insurance: active and reactive planning. Understanding the difference is key to protecting your future and your family.

🔹 Active Insurance Planning

Active planners take a proactive approach. They secure coverage before life’s major events—often when they’re young, healthy, and rates are at their lowest. These individuals understand that life insurance isn’t just for the elderly or those with dependents. It’s a financial safety net that gets stronger the earlier it’s put in place.

Benefits of active planning:

• Lower premiums due to better health and younger age

• No underwriting surprises from sudden health changes

• Coverage in place before it’s urgently needed

• Greater access to longer-term or permanent policy options

🔸 Reactive Insurance Planning

Reactive planning happens in response to a life change—like the birth of a child, a serious diagnosis, or a financial wake-up call. While better late than never, this type of planning can come with challenges.

Risks of reactive planning:

• Higher premiums due to age or medical history

• Limited policy options depending on health conditions

• Potential delays in coverage during underwriting

• Increased financial pressure during emotionally stressful times

What Kind of Planning Are You Doing?

If you’re waiting for a “reason” to get insured, you’re planning reactively. But if you’re looking ahead and building protection while you’re still in control, that’s active planning—and it’s what we recommend.

At BC Brokerage, we specialize in helping individuals, families, and financial planners integrate insurance into a long-term financial strategy—not as a reaction, but as a foundation.

Let's Talk

Not sure where to start? Whether you're planning ahead or trying to catch up, we’re here to help. Schedule a call today to find out what coverage makes sense for you and how to get it in place—before you need it.