If you’re in your 40s, the biggest advantage you have right now isn’t income—it’s time.

Even one or two of these done early can make a meaningful difference later.

1. Lock In Life Insurance Before It Gets Expensive (Up To $3,000,000 in Coverage)

Most people wait too long to get life insurance—and that’s when it becomes significantly more expensive or harder to qualify for.

For example: Many people in their 40s find that rates are noticeably cheaper than they expected.

The earlier you lock it in, the more options you typically have available.

Companies like #1 rated online life insurer Ethos offer up to $3,000,000 in coverage and let you check personalized term life options online in minutes, often without medical exams. The platform has helped protect hundreds of thousands of families and facilitated billions in coverage.

This is especially important if a spouse, partner, or family member would rely on your income or savings.

It takes just two minutes to see what coverage options look like based on your situation.

2. Find Out How Much Funding Your Business Qualifies For In 3 Minutes

Think you could use more funding for payroll, expansion, working capital, equipment, or something else? Most businesses can make use of extra cash to make more money.

It takes just 3 minutes by answering a few questions to see funding options with Fundera.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue, then you’ve got a good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera. The service is free to use and there’s no impact to your credit score.

See all your business funding loan options now. Find out right now how much funding Fundera might get your business.

3. Access Up To $400k From Your Home Without Moving & No Monthly Payments

If you live in Arizona, California, Colorado, Delaware, Florida, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington D.C., or Wisconsin, you may have another option.

Homeowners can use companies like Unison to access up to $400,000 (or about 35% of their home’s value) with no monthly payments, no interest, and no added debt. You can use the cash however you’d like.

In exchange, Unison shares in your home’s future value when you sell or settle later.

It only takes a few minutes to see if your home qualifies and how much you could access.

4. Get Larger Life Insurance Coverage (Up To $5,000,000 in Same-Day Coverage)

You may want higher coverage, and that’s smart.

Life insurance company SelectQuote has been in business for more than 40 years, and has helped protect over 2 million families by securing term life insurance and has provided over $700 billion in coverage. With same-day coverage options available (no medical exams, no blood tests) and personalized term life insurance options based on your family needs. Find coverage options ranging from $50,000 to $5,000,000 in same-day coverage or up to $20,000,000 in non-same day coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

It takes just a few minutes to see what policy options and coverage amounts might be available to you.

5. Get The Free Banking & Accounting Built For The Self Employed

If you want to make business life easier, Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up, with no credit check, no minimum balance, and no required monthly fees. Deposits are insured up to $250K through their banking partner, Lead Bank.

• Business bank account, debit card, no credit check, no minimum balance, and no required monthly fees. Free to sign up.
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required monthly fees.

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.