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Protect your family’s future with life insurance

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  • No medical exam required
  • Fully digital application
  • Term and whole life offered
  • see details

    on Ethos

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  • Medical exam rarely required
  • Quick online application
  • Coverage limits up to $8M
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    on Ladder

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  • No unnecessary medical exams
  • Instant coverage up to $1.5M
  • 100% digital application can be done online or in app
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    on Fabric

    What is life insurance?

    Life insurance is designed to provide financial support to your loved ones after you die. Life insurance can help cover funeral expenses, mortgage payments, and other financial obligations. When you get life insurance, you enter into a contract with the insurer where you pay them a monthly premium, and in return, they will pay out a lump sum to your beneficiaries after you die.

    Who should get life insurance?

    If your death would have a financial impact on the people in your life, then you should get life insurance. Examples of people who should consider life insurance include:
  • Primary earners in the household
  • People with dependents
  • Stay-at-home parents
  • Small business owners 
  • Co-signers or co-owners of debt
  • universal image alt
  • No medical exam required
  • Fully digital application
  • Term and whole life offered
  • see details

    on Ethos

    What type of life insurance should I get?

    There are three main types of life insurance to choose from:

    Term life insurance: Term life insurance is a lower-cost option that covers you for a set amount of years. Term life insurance is good for those with tight budgets, or who have a specific, short-term financial need for coverage.

    Permanent life insurance: Permanent life insurance covers you for as long as you pay the premiums. It’s usually more expensive than term life insurance. Permanent life insurance is good for those who are willing to spend more to ensure they are covered throughout their life.

    No-exam life insurance: This insurance doesn’t require the applicant to undergo a medical exam during underwriting. Approval is usually quicker with this type of insurance, and it may be more accessible for those with certain health conditions.
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  • No medical exam required
  • Fully digital application
  • Term and whole life offered
  • see details

    on Ethos

    How much does life insurance cost?

    The cost of life insurance depends on factors like age, health, term length and more. The average cost of life insurance for a 40-year-old buying a 20-year, $500,000 term life policy is $26 per month. Life insurance rates vary based on your life expectancy. Factors like your age, gender, health, driving record, and occupation determine your rates.

    How much life insurance do I need?

    To figure out how much life insurance you need, add up your financial obligations. Include any long-term payments, like mortgage or student loan payments. Then subtract your assets, such as savings and other available funds. What’s left is the gap your life insurance benefits will have to fill.

    Get a quote in minutes from Ethos