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Valentine’s Day is right around the corner. Do you get your lovely wife a necklace, overpriced red roses, or fancy chocolates (which she will eat, but then wish she hadn’t—or is that just me?) How about the perfect “I Love You” gift?

By the time Valentine’s Day comes around, we are over it. We’ve been bombarded with ads showcasing a woman looking lovingly into her husband’s eyes after he surprised her with a heart-shaped diamond pendant.

Guys, dig deep this year. We all love gifts, but it’s about the meaning of the gift. Trust me, we want to be showered with love, but there’s one gift that truly says “I love you and I care about you.” It’s life insurance.

Just because it’s Valentine’s Day, doesn’t mean you have to drop a lot of cash on us. We do, however, want to know we’re being taken care of emotionally, physically, and financially. A life insurance policy tells your loved one that you never want them to struggle and you want them to be protected forever, even if you aren’t around to do so.  Also, term life insurance can cost as little as $20 per month, so this may be one of the most cost-efficient (not to mention meaningful) gifts you’ll get her all year.