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Valentine’s Day is right around the corner. Do you get your lovely wife a necklace, overpriced red roses, or fancy chocolates (which she will eat, but then wish she hadn’t—or is that just me?) How about the perfect “I Love You” gift?

By the time Valentine’s Day comes around, we are over it. Target turned into a display of pink and red the day after Christmas. We’ve been bombarded with ads showcasing a woman looking lovingly into her husband’s eyes after he surprised her with a heart shaped diamond pendant. To be honest, my husband gets the same reaction when he helps me clean the house. Sometimes it really is the little things.

Guys, dig deep this year. We all love gifts, but it’s about the meaning of the gift. Trust me, we want to be showered with love, but there’s one gift that truly says “I love you and I care about you.” It’s life insurance.

Just because it’s Valentine’s Day, doesn’t mean you have to drop a lot of cash on us. We do, however, want to know we’re being taken care of emotionally, physically, and financially. A life insurance policy tells your loved one that you never want them to struggle and you want them to be protected forever, even if you aren’t around to do so.  Also, term life insurance can cost as little as $20 per month, so this may be one of the most cost-efficient (not to mention meaningful) gifts you’ll get her all year.

Just because it’s Valentine’s Day, doesn’t mean you need to drop a lot of cash on us. We do, however, want to know we’re being taken care of emotionally, physically, and financially.

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You’ve probably never thought about buying life insurance as a gift of love. So, let’s talk about how to get started.

First thing’s first, you can’t just buy a policy on anyone. You have to have consent and insurable interest. Insurable interest is when one person financially benefits from another person living. With married couples, insurable interest is obvious. You live together, pay bills together, and may be raising a family together.

Unmarried couples in long-term relationships can still get life insurance as long as insurable interest exists. You will need to show proof of this to the insurance carrier. This could be by jointly owning a home or business, being on a lease together, having children together, or having debts that include both of you.

While most couples can own life insurance on each other, many couples choose to own their own policy and name their spouse the beneficiary. This is beneficial because it ensures you have full control over your policy. So, if you decide to go this route, you don’t need insurable interest, but it’s important to let your spouse know that you named them the beneficiary.

Buying Term Life Insurance

We make it super easy at Quotacy to window shop for policies. If you don’t know how much life insurance you need, simply play with our life insurance calculator to see what’s suggested. Next, you can head over to our life insurance quoting tool and get as many quotes as you want. Don’t worry, you don’t even need to give any personal information, so feel free to get 10 quotes or 100 quotes if you want.

When you are ready to move forward, keep moving through the quoting tool and choose a plan that fits your needs. After you submit the online application, you’re assigned a dedicated Quotacy agent who will guide you through the process. We do our best to find you coverage that fits with your lifestyle and budget.

So, when Valentine’s Day arrives, go out to dinner or make dinner at home. Tell her how much you love her and that you’ve been thinking about the future. Explain that you don’t plan on going anywhere anytime soon, but in case the unexpected should happen, you purchased a life insurance policy to make sure she is taken care of.

I guarantee she will appreciate it. You took time out of your day to do something for her, to ensure her future is secure. Security is extremely important to us. Women are independent and know we can take care of ourselves, but we don’t want to fear the unexpected.

We know you’re busy. Here at Quotacy, we want you to be able to look up life insurance quotes on your own time at your own pace. Since we don’t collect any personal information for a quote, there’s no need to fear your email address or phone number being sold and then getting inundated with calls from people you don’t know. We want you to be in control. Quotacy is the easiest place for you to research, compare, and purchase term life insurance.

She knows you love her now. Let her know you plan on loving her forever with life insurance this Valentine’s Day.

 

Photo credit to: Christian Gonzalez

 

About the writer

Headshot of Jeanna Simonson, Life Insurance Marketing Content and Social Media at Quotacy, Inc. in Minneapolis. Holiday gift ideas.

Jeanna Simonson

Marketing Content and Social Media

Jeanna has a passion for letting her creativity shine. At Quotacy she manages social media, is a co-host of Quotacy's Q&A Friday YouTube channel, and enjoys writing here and there. When she's not at the office, you can find her hanging with her husband and rescue animals, brunching with girlfriends, or loving up on her nieces and nephews. Connect with her on LinkedIn.