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.

Update: Learn more about Bestow now with plans starting at $5 a month.

We try to exercise, eat healthily, and make it to yearly check-ups, but sometimes life has other plans in store. The real world is pretty weird, so in addition to staying fit, you need to guard yourself against unforeseen fatalities.

Suppose you slip on a banana peel, skid off a cliff, crash to the bottom and die like Wile E. Coyote. You don't want your grieving loved ones to get saddled with massive debt.

Bestowoffers life insurance for people between the ages of 22 and 55 for as little as under $5 a month. For 2, 10, or 20 year plans, you could be approved in 5 minutes or less. The whole process can be completed online!

Here are 5 of the weirdest ways in history people have died.

Death By Lava Lamp

In the 1990's psychedelic Lava Lamps with those hypnotic blobs resurged in popularity. The blobs start to slowly bubble when they're warmed up, and that takes time. One man tried to speed up the process with a lame hack. He set the Lava Lamp on a hot stove where it exploded, impaling his heart with a glass shard.

Death By Beard

Hans Steininger was famous for having the world's longest beard. The Austrian mayor proudly flaunted his four-and-a-half-foot long wonder, tucking it into a pocket as he strolled along the boulevards. One night a fire broke out and in the commotion his beard fell out of his pocket. Hans tripped on his beard, fell down a flight of stairs, and broke his neck.

Death By Wedgie

During a fight, a young man thought he'd retaliate against his stepdad by giving him an "atomic wedgie," pulling the elastic of his stepdad's underwear up and over his head. The band got wrapped around his stepdad's neck and strangled him to death.

Death By Laughter

The Third Century Greek philosopher, Chrysippus came across a donkey eating figs. He got the bright idea to give the creature some wine to wash them down. The sight of the drunken donkey staggering about trying to eat figs gave Chrysippus such a fit of the giggles, he went into cardiac arrest and died.

Death By Coffin

When Henry Taylor, who was acting as a pallbearer at a funeral in 1872, tripped on a cemetery stone, the other pallbearers rushed to help. Unfortunately, he let go of the coffin, which fell onto poor Henry Taylor, killing him instantly.

Even if you're super careful, a drunken night or a cup of coffee that's too-hot can be anyone's ticket to the farm. The Grim Reaper never takes a day off, so it's good to have a back-up policy just in case. Bestow has life insurance plans that could cover your family for up to a million dollars.

The application process takes minutes (not weeks) and can be done in one sitting, 100% online. With no blood tests or medical exams, you can get approval for life insurance in just a few minutes. So, pick your beneficiary and head on over to Bestow. Protect yourself against the forces that be.