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.

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.

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.

Generally, life insurance payouts are income-tax free for the beneficiary. However, large estates may have estate tax implications.

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.

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.

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.