Despite being a parent now for nearly 27 years – *gulps* – it took me until my kids were 16 and 9 to get around to buying life insurance. (Even worse, they were 19 and 12 before I made a will, but let’s not talk about that.)
I don’t know what it was about the life insurance, but somehow for 16 years it just kept slipping further and further down the never ending list of Important Things To Do. In my head I think it was super complicated, and possibly involved me doing some kind of invasive medical exam, and so I shoved it to one side and tried not to think about death.
Time passed though, relationships ended, and I came to realise that if I died, that was that, there wasn’t going to be a wealthy family to step in, my kids would be on their own. I did the briefest of research, took out a very cheap and basic ten year policy, and imagined that by the time that finished and Belle was 19, they would both have left home and be completely financially independent. Also we might all get about on hoverboards.
But wait a minute, what’s that you say? Belle IS 19 and we AREN’T all on hoverboards??
So here we are, it’s ten years later, my life insurance has expired but somehow both of my children are still in some way financially supported by me, plus now I own a house with 25 years left on the mortgage and I have four pets.
If I were to die tomorrow, who’s keeping the dog in luxury treats?? Now more than ever it turns out, I need to know that everyone is going to be taken care of financially if I die.
I’ve even become a Granny, which was something I wasn’t expecting. I chip in for a couple of things for Joey every month and so now it’s not even just my own children that I need to think about, now there’s this little cutie too.
Simple life insurance from Do It For Them
The good news is that after doing a bit of research, it turns out that life insurance doesn’t have to involve a 200 page health questionnaire or Krypton Factor style timed assault course. It doesn’t even have to mean speaking to a person on the phone, something I dislike strongly. (I did think about getting new life insurance a few months ago, entered my details on a website expecting to be able to get an online quote, and someone CALLED me. It immediately put me off and I’ve not thought about it again until now.)
Lucky for me that I found Do It For Them – simple, affordable life insurance for families of all shapes and sizes. With Do It For Them you can compare prices and terms on basic life insurance policies from a range of different insurers and have your life insurance sorted in under 10 minutes, no complicated forms and it’s all done online, so no surprise sales calls either. There’s no jargon, so faff or frills, just simple life insurance that does what it says on the tin.
Sounds good right? Let me talk you through how it works…
Step one – get a life insurance quote
Do It For Them claims this step takes less than a minute and I can confirm it took me 28 seconds. (Yes I timed it. Come at me.) I’m not sure this step could be any simpler to be honest, you answer just a few quick questions and Do It For Them generates some prices. Bish bash bosh.
The site makes a suggestion for how long your insurance should cover you, based on the age of your youngest child, but you can adjust this manually too if you want to.
At this stage you don’t need to enter any personal information at all, not even a first name, so you’re not going to be bombarded with emails every day offering you different products, you’re totally safe.
Step two – how much life insurance do I need?
Now it’s time to choose your cover. It can be tricky to say how much life insurance should you take out, but think practically about what your family might need money for – would you want them to be able to pay off some or all of a mortgage? Would they need a cushion for childcare and other day to day costs?
Do It For Them suggest roughly 5 to 10 times your annual salary, but of course it depends too on what you can afford to pay every month and some cover is better than no cover for sure.
I opted for £250,000 as this would be enough to pay off the mortgage if that’s what my daughters decided they wanted to do, and have some leftover for living costs. But they have different budget options, to suit your personal needs.
Step three – answer some questions
Once you’ve settled on the amount of cover you want, you just need to answer a few questions about your health and lifestyle, things like existing medical conditions and a teeny bit of family history. Answer honestly remember – you risk invalidating a claim if you’ve not been upfront about any issues.
(Note: Do It For Them is designed to be a quick and simple life insurance option, so if your medical history is more complex you may not be able to get your insurance in place online, but they’ll give you options at the end for how to get in touch to discuss your situation.)
Oh wait, there IS no step four! That’s it! You’re all done. Life insurance sorted in seven minutes and 52 seconds. (Yes, I timed the whole thing, surely you expected that after step one?) I even included my thinking time at step two, which admittedly was minimal, but I did have a bit of an idea in advance.
Now… this is going to sound silly because the whole point of this blog post was to tell you how quick and simple it is to get life insurance through Do It For Them, but I surprised myself by just how easy it was. I feel honestly like if I hadn’t already bought a policy, I’d have sold it to myself. I love it when that happens with blog posts.
I now feel rather foolish for having waited so long to sort it out, but at least it’s all done now. I can now sleep easy in the glow of being a sensible grown-up parent and pet mum who does Important Things and provides for everyone.
Be that sensible grown-up parent and get a life insurance quote from Do It For Them now.