I never thought I'd get life insurance. When I was younger, it wouldn't have been an option for me - I had my scuba diving license and used to lead rock climbing tours. My lungs and knees aren't what they used to be, so now I'm only adventurous every summer when a group of my buddies goes exploring together.
This year, we did an intense hike over the course of a week, and we nearly didn't make it out alive. We got hopelessly lost at sundown our first night, and it nearly added an extra day to our trip.
Even dehydrated, my buddy Matt who's got 4 kids, was somehow the least panicked. He stayed calm, acted as our compass, and didn't show a flicker of fear despite being faced with some of the worst-case hiking scenarios.
Every year, we've been wondering if it would be Matt's last time on the trip. When we found out his wife was expecting twins, we were sure we'd never see him backpacking with us again.
I asked what he would do if something happened to him, and his response was, "Nothing. I'd be dead." Cold, Matt. Turns out, he actually has a life insurance policy that only costs him $10 a month.
I told him I'd do that too if I could. My wife would murder me if I ever died. Matt looked me in the eye and told me I definitely could. As long as I wasn't still rock climbing, I'd probably be cleared by Bestow, which offers life insurance starting at $5 a month, with no doctor visit necessary. The whole application process is easy and can be done entirely online.
I made a mental note to check it out when I got back, but my wife beat me to it. She had the "you almost DIED HIKING????" crisis, and I told her, yes, but I was fine, and I'd do something about it.
Bestow had me signed up in less than 5 minutes. I went to hellobestow.com and filled out a super short application. There was no required doctor visit (because there's no blood test), and they clearly outline their 3 different plans.
I don't know why I ever thought life insurance would be confusing or expensive - I'm covered, and if anything happens to me, Catherine won't have to suffer.
She also wanted me to, you know, not get lost in the woods next time, so I told her yes, I'd be more careful.
Shockingly, having life insurance makes me feel safer doing risky things. I'm getting older, and I want to travel and explore as much as I can while I can. Now, I have a blanket of comfort if anything happens.