Life
Insurance
Term Life
Like renting a home, term life provides temporary coverage in case of premature death, allowing you to purchase a high level of coverage. Up to $10M plans; some offer conversion and living benefits. If you’ve had a doctor visit and labs in the past 12–18 months, you may qualify without a medical exam (carrier rules vary).
Whole Life
Like the name suggests, whole life insurance covers you for your whole lifetime, providing a way to prepay final expenses for less out-of-pocket costs than actual final expenses, as well as a tax-advantaged way to pass wealth to your loved ones.
Universal Life
Universal life insurance provides a long-lasting coverage typically for less than whole life. This type of life insurance comes in a couple variations, so we suggest consulting with us before purchase so as to ensure you understand the product before enrolling.
FAQs
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Life insurance is a contract that provides a tax-free death benefit to your beneficiaries when you pass away. It helps protect your loved ones financially by covering expenses like income replacement, debt payoff, funeral costs, or long-term financial goals.
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The most common types are:
Term Life: Coverage for a set period (10, 15, 20, 25, 30, 35 & 40 years). Usually the most affordable. Available in standard and return of premium forms.
Whole Life: Permanent coverage with guaranteed cash value growth.
Universal Life: Flexible permanent coverage with adjustable premiums.
Final Expense: Smaller policies designed to cover funeral and end-of-life costs.
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A common rule of thumb is 10–15× your annual income, but needs vary based on debts, mortgage, dependents, income replacement, and future goals. A personalized needs analysis is best.
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Generally, life insurance payouts are income-tax free for the beneficiary. However, large estates may have estate tax implications.
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We do not charge any fees for our services.
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We offer a large variety of carriers, including Banner Life, Prudential, North American, GBU Life, SBLI, Ethos, Ameritas, Gerber Life, Mutual of Omaha, TruStage, Allstate, Aetna, Aflac, Woman’s Life, Pacific Life, Globe Life, Transamerica, Lincoln Financial Group, Great Western, Cincinnati Life, Oxford Life, United Home Life and others.
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The Ethos Will Estate Plan is a plan to distribute client assets, choose guardians for their children and appoint healthcare & financial agents.
It includes a last will & testament, healthcare directives, medical consent, power of attorney and an attorney document review included with no added fees.
Plans available for individuals and couples.
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The Ethos Trust Estate Plan is everything you get in the Ethos Will Plan, plus a trust that will help transfer your assets and avoid probate.
It includes a schedule of assets and a revocable living trust.
Plans available for individuals and couples.
Ethos Life, Will & Estate Plans
Ethos life insurance has life insurance options without medical exams up to $2 million and provides offers to around 90% of applicants age 20-85. Complimentary wills and testament are available depending on product and state availability. Ethos Individual or Couples Will Estate Plans and Individual or Couples Estate Plans are available without a life insurance purchase.
Final Expense Life
If you are age 50 to 85, you can enroll with guaranteed acceptance in our guaranteed issue final expense plans. Guaranteed final expense life is designed for coverage up to $25,000, and is meant to give people coverage that would otherwise not be covered. Instant issue final expense life through Mutual of Omaha is also available.
Life Insurance Riders
Adding a children's term rider lets parents buy affordable, convertible term life insurance for kids. If you have children with a health condition, contact us on how to navigate their health history.
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