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Term Life Insurance

Find the Perfect Life Insurance Policy In Under 5 Minutes

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With several term lengths and a wide range of coverage amounts to choose from, you can help your clients apply 
for a life insurance policy on their terms. Every Ethos term policy includes level premiums, meaning your clients' monthly payments will never increase during their terms. (Product type, benefit amounts, and eligibility can vary 
by carrier.)

What is term life and how does it work?

Term life insurance features the most straightforward and affordable life insurance option by covering you for a set "term" (typically 10 to 30 years). If you pass away during the term period, your beneficiaries receive a cash payment.

Term life insurance coverage might be right for you if:

  • Your loved onese would need to replace lost income while raising children or paying a mortgage

  • You have short-term financial responsibilities such as loans, a new business, or credit card debt

  • You want the most affordable life insurance coverage

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Ease the burden of final end of life expenses with this exclusive plan
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In Some Cases Your Insurance Needs Can Be Better Served By Term or Whole Life Insurance

Final expense insurance is not the best product for everyone. If you are young and healthy, for example, you can probably qualify for a term life insurance policy, which has more coverage and a lower premium. Whole life insurance is also attractive for building cash value and protecting you, your loved ones and your assets. Learn more about other options below. 

Burial/Final Expense
Whole Life Insurance
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Our Ethos Life Tool  Can Help You Choose a Product That's Right For You. 

Get Rates In Under 5 Minutes

What is final expense Insurance?

Term life insurance features the most straightforward and affordable life insurance option by covering you for a set "term" (typically 10 to 30 years). If you pass away during the term period, your beneficiaries receive a cash payment.

Final Expense insurance coverage might be right for you if:

  • You want to cover a loved one (or each other) in the event of end of life

  • You worry about the burden of end of life expenses passing on to your loved ones

  • You want a cash benefit that can help cover funeral and burial costs, medical needs or anything else that will help loved ones.

What is whole life?

Whole life insurance can last the rest of your life with a guaranteed payout for your loved ones. Selecting the right amount of coverage early can be a great planning tool to cover for different stages of life.

Whole life may be a great fit for you if:

  • You want coverage longer than a specific time, one that lasts your entire life

  • You want a policy to build cash value over time

  • You want to invest for a long-term benefit by locking in a lower rate early that stays the same the entire time

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How Can Life Insurance Protect My Business?
Your Business, Your Future Protected
As a business owner, you wear many hats: visionary, risk-taker, and leader. But have you considered the role of protector? Life insurance can be your financial safety net, ensuring that your business and loved ones are secure even in challenging times. Let’s explore how life insurance can benefit you as a business owner.
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