So youre apparently a grown-up now.

That means its time to stop procrastinating and ask yourself this adulting question one youve been putting off.

If you were gone, how would your family ever pay off the house?

A woman looks helpless as she holds her baby while leaning against a white wall in her home.

The last thing you want to do is leave your family with that debt.

A company calledBestowmakes it easy to apply for coverage right from your phone.

You dont even need to leave your house.

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Theres no medical exam required.

Even better life insurance may be cheaper than you think.

How big is your mortgage?

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Bestow can help you figure it out.

7 Ways to Make Money if You Hate People

Do you avoid people too?

Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

For example, you could get $250,000 of coverage for just under $13 a month.

*

So, if youve been putting this off, nows the time to stop.

It takes just a few minutes toget started, and youll know your family is taken care of.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.

You better believe he has a mortgage.

*Rates are based on a healthy, non-smoking, 25-year-old woman.

Products or issues ages may not be available in all jurisdictions.

Limitations or restrictions may apply.

Not available in New York.

The tool asks about your lifestyle and health to avoid requiring a medical exam.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…