With several term lengths and a wide range of coverage amounts to choose from, you can apply for a life insurance policy on their terms. Every Ethos term policy includes level premiums, meaning your monthly payments will never increase during their terms. (Product type, benefit amounts, and eligibility can vary by carrier.)
Term life insurance is a type of life insurance policy that provides coverage for a specified period, or “term,” usually ranging from 10 to 30 years. If the insured person passes away during the term of the policy, their beneficiaries receive a predetermined death benefit. Unlike whole life insurance, term life insurance does not accumulate cash value over time and is generally more affordable, making it an attractive choice for individuals seeking straightforward and temporary financial protection for their loved ones in case of their untimely demise.
For many people, age and health issues make it difficult to access life insurance. That’s why we offer simplified issue whole life insurance, with a range of coverage limits. Approved in a matter of minutes, regardless of medical history. For real.
Whole life insurance is a type of permanent life insurance that offers coverage for the entire lifetime of the insured individual, as long as premiums are paid. In addition to a death benefit paid out to beneficiaries upon the insured’s passing, whole life insurance also includes a savings component known as cash value, which grows over time on a tax-deferred basis. This means that along with providing financial protection, whole life insurance also acts as a long-term investment vehicle, allowing policyholders to accumulate wealth that can be borrowed against or withdrawn, albeit with certain limitations and considerations.
When you want to protect their family from the expenses associated with end-of-life planning, guaranteed issue whole life insurance is available.
Final expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance designed to cover the specific costs associated with a person’s funeral, burial, and other end-of-life expenses. Typically offering lower coverage amounts compared to traditional life insurance policies, final expense insurance aims to ease the financial burden on families by ensuring that funds are available to cover funeral services, caskets, cremation, memorial services, and other related costs. This type of insurance is especially valuable for individuals who want to provide their loved ones with a predetermined sum of money to handle these immediate financial needs without placing an undue financial strain on their family members during a challenging time.
Don’t leave your loved ones’ financial future uncertain. Take a proactive step towards securing their well-being today. Click the link below to start the quick and hassle-free process of obtaining affordable life insurance coverage that fits your needs. Ensure that your family is protected, even when you’re not there. Get started now and gain peace of mind knowing you’ve taken care of what matters most. Your family’s financial security is just a click away.
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