You probably don’t think twice about paying for Netflix, Spotify, or DoorDash every month. They’re small, automatic charges that make life a little easier (or at least more entertaining). But when someone brings up life insurance, it suddenly feels like a big, long-term expense.
The truth is, life insurance doesn’t belong in the “someday” category. It fits comfortably in most monthly budgets.
A healthy 30-year-old can often get $250,000 in term life insurance coverage for around $18 to $25 per month—about the same as what many of us already pay for a couple of streaming or delivery services.
Life Insurance Costs Less Than You Think
It’s easy to assume life insurance is expensive—something you’ll “get around to” once your income goes up or your expenses go down. But the reality is that it’s one of the most affordable ways to protect the people who matter most.
For a middle-aged non-smoker, a term life insurance policy costs about $20 to $25 per month—sometimes even less. That’s roughly the same as one premium streaming plan or a couple of food delivery memberships.
The difference, of course, is what you get in return. Those monthly subscriptions offer short-term convenience or entertainment. Life insurance offers long-term peace of mind, helping your loved ones stay financially secure if something unexpected happens.
When you think about it that way, life insurance isn’t an extra cost, it’s a smart way to make sure your family is protected no matter what comes next.
What Your Favorite Subscriptions Cost (2025 Prices)
Between streaming, music, delivery, and fitness apps, the small charges can add up faster than you realize. And while these services make everyday life more convenient, most of them actually cost about the same as—or even more than—life insurance.
Here’s what some of the most common subscriptions cost today:
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Netflix (Standard, ad-free): $17.99/month
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Netflix Premium (4K): $24.99/month
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Disney+ (No Ads): $13.99/month
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Hulu (No Ads): $17.99/month
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Max (Ad-Free): $15.99/month
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Spotify Premium: $11.99/month
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Apple Music: $10.99/month
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Audible Premium Plus: $14.95/month
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DoorDash DashPass: $9.99/month
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Uber One: $9.99/month
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Apple Fitness+: $12.99/month
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Calm Premium: $14.99/month
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Peloton App+ or All-Access: $24–$44/month
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iCloud+ (2TB): $9.99/month
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Xbox Game Pass Ultimate: $16.99/month
And that’s before you add in hidden fees, taxes, upgrades, or other extras that quietly push your total even higher.
Plus, most people have more than one of these subscriptions. When you combine streaming, delivery, fitness, and music apps, your total monthly cost can easily exceed even $50 per month.
How to Get Life Insurance Today (Without Giving Up What You Love)
Protecting your family doesn’t mean giving up the things you enjoy. You don’t need to cancel your streaming accounts or skip your morning coffee runs, you just need to make room for one more “subscription” that truly matters.
Here are a few easy ways to get started:
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Review your current subscriptions. Most people find at least one service they no longer use or could downgrade. Canceling just one unused app can easily cover the cost of a life insurance policy.
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Start with a simple quote. You can get a quick, no-obligation life insurance quote online or by calling your local Darr Schackow Insurance agent.
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Choose a plan that fits your budget. Term life insurance is often the most affordable option, and coverage amounts can be customized to match your family’s needs.
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Don’t wait for the “perfect time.” The younger and healthier you are, the more affordable life insurance tends to be, so it often pays to start sooner rather than later.
A few small adjustments in your monthly spending can give you something no subscription ever could: real financial protection for the people you love most.
A Subscription That Truly Pays Off
You don’t have to cancel your favorite subscriptions or change your lifestyle to make room for life insurance. But if you can afford a few streaming services, a music plan, or a food delivery membership, you can absolutely afford to protect your family’s future.
Life insurance is one of the few monthly expenses that actually gives something back: peace of mind, financial stability, and lasting protection for the people you care about most.
So while you’re renewing those subscriptions this month, consider adding one that truly pays off.
Talk to your local Darr Schackow Insurance agent today to find an affordable life insurance policy that fits your life and your budget.