text:  I'm 40 and got a $500,000 policy for only $16 a month. My husband's also 40, and his $500,000 policy was only $18 a month. Plus, with their same-day coverage, there was no medical exam required, and we were covered by the time we hung up. Knowing I have this checked off my list feels amazing, but the peace of mind knowing my family is protected feels even better.