Why life insurance makes a perfect Mother’s Day gift

Looking for a great last-minute Mother’s Day present? Well, take it from us: Pharmacy flowers are not the answer. So what is the answer? A term life insurance policy.

It might not seem obvious—it’s hard to wrap, and doesn’t come in a luxurious box. But what it lacks in pizazz it more than makes up for in impact. By purchasing a life insurance policy and naming your loved one as the beneficiary, you are showing your partner, the mother to your children—or your sister, cousin, aunt, anyone you know who’s a mom, really—how much you care. Here’s what we mean.

It’s fast

Let’s face it: If you’re reading this, you’ve waited until the last minute.

Chances are, the stores are sold out of her size in that robe you were going to get her. Or if they have it, overnight shipping will cost you an arm and a leg. (Pro tip: Mother’s Day gifts given on Memorial Day are not typically well received.)

That kitchen renovation you promised isn’t happening, either. Breakfast in bed? That requires, like, a whole trip to the grocery store. And cooking skills. And fully-stocked grocery shelves.

Picture frames? Predictable. (And they usually come with a picture of someone else’s family.)

But guess what: You can apply for term life insurance for yourself online, and, if approved, your coverage can start instantly. Which gives you plenty of time to keep procrastinating on writing that thoughtful card that features your new term life insurance policy number. (Not that you should do that.)

It’s romantic

Hear us out—how many gifts can you give that truly last for decades, are completely personal (and personalized, and demonstrate the depth of your love and commitment? Let’s just say chocolates don’t compare. Taking out a life insurance policy with a death benefit that would be paid to your partner if anything were to happen to you, is an impactful way of saying “I love you.”

And also: “Thank you.” That’s because you’re giving a promise that, should the worst come to pass, your partner and your child (or children, or other beneficiaries—even pets!) will receive a policy payout that will help take care of them. You’re essentially helping to handle their needs and expenses from beyond the grave, which is perhaps the ultimate form of appreciation. And it’s certainly going to last longer than a bunch of flowers.

It’s time

Maybe this is your first Mother’s Day with children. Maybe it’s your eleventh. Maybe your first child is on the way, in which case, yes, you still need to give a Mother’s Day present.

Whatever the case, your life is so much bigger now. It’s not just about you, or you and your partner. It’s about your family, and there are certain things you can do now to take care of your family far into the future.

One of those steps? Getting regular exercise, so you’re at your best day in and day out for as long as possible.

And oh yeah: Getting life insurance. Life insurance becomes a must-have when you have a partner and little ones who rely on you financially. If that’s you and you don’t have life insurance, then it’s time.

Whether you get a 10-, 20- or 30-year term, you’ll be providing for your family in the event the worst should happen during those years. And whether you get a $1 million term life insurance policy or a little less (or more) in coverage, you’ll be helping take care of their expenses (tax-free) in both the near- and far-term. This can include the cost of a funeral to your children’s college expenses, or anything in between. This truly is the gift that keeps on giving.

It’s more affordable than you think

The perfect Mother’s Day gift is probably a lot more affordable than you think. A healthy 35-year-old man can buy a 20-year, $500,000 Haven Term life insurance policy for about $21 per month.

It lasts

We’ve already pointed out that a life insurance policy will last longer than flowers. But really, that’s not saying much. The truth is, a policy can last a lot longer than flowers — up to 30 years, in fact.

No matter what amount of coverage you need, one of the benefits of term life insurance is that you can pick a term length that works for you. Your coverage options include a long term (25 or even 30 years, more than a quarter-century of coverage). Or, if your kids are a little older — say, a few years from graduation, and your mortgage is nearly paid off — you might get a shorter term, like 10 years.

Whatever the case, when you buy term life insurance, you’ll be locking in level term premiums — that is, a monthly rate that stays the same throughout the life of your policy. When it comes to gift ideas, something that is affordable and lasts is hard to find. That’s what makes term life insurance such a special gift. (Seriously.)

It’s more than just life insurance

Fun fact: Eligible Haven Term policyholders also enjoy the privileges of the Haven Life Plus rider, a suite of services, many of which are offered at no charge. This includes a year’s subscription to the fitness app Aaptiv, free trust and will services from the appropriately named Trust & Will, free use of the jetlag-fighting Timeshifter app, and more.

In other words, you’re not just giving the peace of mind that comes with term life insurance. You can also give your partner the promo code for a virtual gym membership (make sure you offer to watch the kids) and a good night’s sleep while traveling.

It’s Fast. Romantic. Powerful.

Now you understand, life insurance is a Mother’s Day gift that truly checks all the boxes. The only question, then: How are you going to top this gift next year?