Why life insurance makes a perfect Mother’s Day gift
Isn’t it obvious? But just in case, here are a few reasons why.
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.
In this article:
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.)
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.
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.
What our customers say about rates
Jul 1, 2021
Easy sign-up for Term Life Policy
Signing up for a term policy was fast, easy and efficient, and the rate was reasonable. That's all I know so far; I hope to never have an opinion of Haven's claim handling.
–Georgeread more at
Jun 16, 2021
Very easy and quick
Very easy and quick. From start to finish including medical exam, it was all less than three weeks. Rates where fantastic and worked for our family.
–Charlesread more at
Dec 1, 2020
Haven Life was very easy to use
Haven Life was very easy to use. Application was simpler than other companies, and the medical exam was convenient, with someone coming to my house to do it. Rates were low and they are backed and owned by Mass Mutual, which is a highly rated company (if you're concerned about solvency). Highly recommend.
–JD Marlowread more at
Sep 2, 2020
I got quotes from 3 different…
I got quotes from 3 different companies. HavenLife did not deviate from the quote until it was issued. 1. Process was easy and quick 2. Received continuous support 3. Decision was fast 4. Filling up online was not offered by other 2 companies.
–Sriread more at
Aug 6, 2020
Website was easy to use
Website was easy to use. Great price for my insurance
–Yanyanread more at
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.
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?
About Louis Wilson
Louis Wilson is a freelance writer whose work has appeared in a wide array of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children.Read more by Louis Wilson
Our editorial policy
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our editorial policy
Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.
Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.
Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus
What our customers are saying
Jun 8, 2023
Applied Sunday, Approved Monday…
I filled out the application on Sunday afternoon, and was fully approved before noon on Monday. I was initially told that I would need a medical exam, but in the process, it was determined that I didn’t actually need a medical exam to be approved. So, this was a welcome surprise. Also, the initial quote I was given (before completing the application) was only about $15 off from the final approved premium. The Haven Team communicated with me regularly thoughout the application process and promptly answered my questions. Overall, this was an extremely smooth, efficient, and pleasant experience. My family and I are thrilled to have this affordable policy that will last 30 years, onto my 70s. Thank you, Haven!
–HBread more at
Jun 7, 2023
Easy application process and great…
Easy application process and great rates compared to other insurance companies I considered. The health screening portion was a bit long and I kept getting follow up questions for medical history related to my wife and not myself.
–Tylerread more at
Jun 1, 2023
Easy to apply
Easy to apply I just got approved last week so haven't had to make any claims or anything like that (as this is a life insurance policy, guess that's a good thing lol). But what put Haven Life at the top of my list was their intuitive website and easy application process. All done online and then the physical exam was done in my home! Very easy process.
–S Speightread more at
May 25, 2023
There was truly no medical exam for…
There was truly no medical exam for their term life insurance. The customer service was responsive and helpful. The price was comparable to another company with the same terms.
–Bukkyread more at
May 11, 2023
Wonderful company!! I definitely recommend Haven life!! Awesome at finding the best coverage for me! Great coverage that is affordable!! Glad I listened to the recommendation that was given to me about this company
–Blaiseread more at