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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, the mother to your children—or your sister, cousin, aunt, or anyone you know who’s a mom, really— will know 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, shipping delays caused by the coronavirus mean you can’t get it in time. (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.

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

It’s romantic

Hear us out—how many gifts can you give that truly last for decades, are completely personal, and demonstrate the depth of your love and commitment? Let’s just say chocolates don’t compare. Taking out a life insurance policy 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 children will still be taken care of. 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.

What our customers say about rates

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 term life insurance policy for about $24 per month. Need we say more?

It’s the times

Maybe you’ve noticed, but there’s a global pandemic happening right now, and unfortunately, no one knows when and how it will all end. But suffice it to say, it’s been an important reminder that life-changing events—including highly contagious fatal viruses—can happen quickly. If you wait until you’re older, you’ll likely pay far more in premiums than you will when you’re young and healthy. And it’s the tragic truth: awful things can happen to the young and healthy, too.

It’s more than just life insurance

Fun fact: Haven Life customers also enjoy the privileges of the Haven Life Plus rider, a suite of services, many of which are offered at no charge to the Haven Term policy. 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 for when we can all start traveling again.

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?

Why Haven Life?

The answer to that question is easy (which is exactly how Haven Life makes applying for term life insurance)

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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.

Our disclosures

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.html

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