Insulating Crawl Space

[Evan Ventura]

Hey everyone, I am currently under contract for my first rental property. My inspector suggested I insulate the crawl space of the home as it is where the furnace is located; however, it is an older (but functional) unit that will eventually be moved to the attic once it dies. In the meantime, is it still wise to insulate despite the tenant paying utilities? Is the lack of insulation making the furnace work harder therefor expediting its demise (even though it's never known otherwise)? I am a big fan of preventive measures, but is this something I should really jump on right away? Thanks!