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So you’re apparently a grown-up now. You’re successfully adulting. Congratulations!

That means it’s time to stop procrastinating and ask yourself this “adulting” question — one you’ve been putting off. If you were gone, how would your family ever pay off the house?

The unfortunate truth is, most of us die in debt, and studies have found that nearly 85% of people between the ages of 46 and 49 have an average mortgage debt of over $200,000. The last thing you want to do is leave your family with that debt.

Luckily, in just five minutes, you could make sure your family is financially taken care of with a life insurance policy. A company called Bestow makes it easy to apply for coverage right from your phone. Yep. You don’t even need to leave your house.

Spend Five Minutes to Make Sure Your Family Can Pay the Bills When You Die

As long as you’re between the ages of 18 and 60, you can apply and get a quote in minutes — and if you’re approved, you could have coverage by the end of today. There’s no medical exam required.

Even better — life insurance may be cheaper than you think. Bestow’s premiums start at just $10 a month, and Bestow helps you choose the right amount of coverage for your family. How big is your mortgage? You can choose coverage ranging from $50,000 to $1.5 million, and policies can run from 10 to 30 years. Bestow can help you figure it out.

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

So, if you’ve been putting this off, now’s the time to stop. In just five minutes, you could make sure you don’t leave your family with hundreds of thousands of dollars in debt. It takes just a few minutes to get started, and you’ll 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.

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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