This is a sponsored post on behalf of Responsival. All thoughts are my own.

The holidays are such a magical time of year—but let’s be honest, they’re also a little chaotic. Between shopping, school concerts, family gatherings, and the endless to-do list that somehow keeps growing, it’s easy to push “grown-up” responsibilities to the back burner. But if there’s one thing you should move to the top of your list this season, it’s life insurance. I know it’s not as fun as wrapping gifts or baking cookies, but it’s one of the most loving things you can do for your family.

As moms, we’re constantly planning and preparing—thinking about everyone else’s needs before our own. We make sure our kids have warm coats, the pantry’s stocked, and the gifts are wrapped with care. But what about protecting our family’s financial future? Life insurance is a simple, smart way to do just that. It’s not about being morbid—it’s about being prepared. Because life happens, and we all want our loved ones to be taken care of no matter what.

The good news? Getting coverage doesn’t have to be complicated or expensive. With Fabric by Gerber Life, you can easily apply for term life insurance online—from your phone or laptop, in just minutes. You’ll be surprised at how affordable term life insurance costs can be, especially when you compare it to what you probably spend each month on streaming subscriptions or takeout coffee. Fabric by Gerber Life was designed with busy parents in mind, so you can make one of the most important decisions for your family’s future without adding more stress to your holiday season.

And let’s be real—this time of year comes with its share of risks. From climbing ladders to hang holiday lights (check out these holiday safety tips from the National Safety Council) to traveling long distances to see family (read AAA’s holiday travel safety guide)  there’s always a little more potential for accidents when life gets hectic. Having life insurance in place provides peace of mind that if something unexpected were to happen, your family would be financially protected. It’s one of those things you hope you’ll never need, but will be incredibly thankful for if you ever do.

If you’re still unsure about where to start, take a look at The EveryMom’s guide to financial planning for families for helpful budgeting and goal-setting tips. Then, make your next move by getting covered with Fabric by Gerber Life—because peace of mind is the one thing that should never have to wait until the new year.

Ready to check one big thing off your holiday to-do list? Click here to get your free quote from Fabric by Gerber Life and protect what matters most—your family.