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Ok, the idea of life insurance kind of sucks. If it gets used, it means you died. Or someone you love and/or depend on died. No one wants to think about the worst possible outcome — to the point that no one wants to even think about buying life insurance.

But here’s the thing: It can get even worse when the people you love end up in financial trouble without your income and no life insurance to keep them afloat. Think about it — defaulted mortgages, depleted emergency funds and missed college tuition payments could upend your family’s life.

That’s why a website called Lemonade wants to offer you affordable term life insurance in as little as five minutes — so you don’t have to worry about the what-ifs again.

When you quickly apply for a term life insurance policy on their website or app — without going to the doctor for a medical exam — you’ll be able to relax, knowing you’ve done everything you can to help take care of your family.

Apply for Term Life Insurance in as Little as 5 Minutes — for as Low as $9/Month

Let’s get the assumptions out of the way: Life insurance isn’t just for old rich people, and it might not be as expensive as you think, if you know where to go looking for it.

Whether you need a $50,000 policy or a $1.5 million policy, Lemonade can help find the right coverage for you. There’s no paperwork and no medical exam required. Coverage starts for as low as $9 a month!

The application takes as little as five minutes and asks questions about your health, lifestyle and who you want your beneficiaries to be.

What Makes Lemonade Different?

In the past, applying for life insurance was a tedious process that required tons of paperwork and an invasive medical exam. But things are changing, thanks to new companies like Lemonade. Gone are the days of blood tests, signatures and endless insurance jargon.

First of all, Lemonade’s application process is entirely online. Yep. You don’t even need to leave the couch. There’s no medical exam needed, and unlike other life insurance websites, Lemonade offers term life insurance directly, and won’t direct you elsewhere to fill out more forms and compare quotes yourself. You simply fill out an application once, and if approved, choose your coverage and buy right from their website or app.

Those guilty thoughts about not having your family protected? You can seriously get rid of them without missing a second of “NCIS New Orleans.”

You won’t enter your credit card until after you’ve been approved, accepted your quote and read the fine print, so your info is safe and protected.

If you’re between the ages of 18 and 60 and living in the U.S. (except New York), complete your application in the next five minutes and know you’re covered for the term you selected. You can have this done before the next commercial break ends.

Kari Faber is a staff writer at The Penny Hoarder. She has a life insurance policy through Lemonade because it really was that easy to do. 

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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