40’s
Things are really starting to happen…
People in their 40’s have matured greatly and are most likely married with children and/or are on the way.
Some start to plan for private school and the thoughts of paying for college loom in the distance.
They should still be quite heavily invested in an Employer Sponsored Retirement Plan or if they are self employed, have a plan set up for their future…Solo 401(k), SEP, KEOGH, etc.
Purchasing life insurance at this juncture is still affordable and the realization of “need” is growing due to family obligations and the strong desire to protect.