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Here at Ethos, we take pride in providing a faster, better, and easier life insurance experience for you and your loved ones. Our mission is to protect the next million families and we intend to do just that with an honest and transparent process. Take a look at how it works.
Between me and the Ethos team, we’re committed to helping you find the right coverage.
Get anywhere from $20,000 to $2 million in life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.
Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes.
Take your policy for a trial run with a 30-day money-back guarantee. If you’re not fully satisfied in the first 30 days, we’ll refund you in full.
With our online application, you can protect your family in minutes.
Great experience! Great rate! Very happy to find GotLife
It took less than 10 minutes. So easy.
It's comforting that my family will be taken care of. One less thing for me to worry about.
Most people overestimate the cost of life insurance by 300% or more . The cost varies based on your unique situation. The biggest factors that can affect your premium include your coverage amount, term length, age, health status, and tobacco use.
The sooner you buy, the sooner you'll lock in your lowest premium–and save the most money in the long run.
» Learn more: Life Insurance 101 (PDF) | The cost of waiting (PDF)
Term life insurance uses premiums to cover you for the determined "term" of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage.Whole life insurance lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.
» Learn more: Term Life Insurance (PDF) | Whole Life Insurance (PDF)
Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of what most families need. And if you leave your job, that coverage usually ends. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.
» Learn more: Life Insurance 101 (PDF)
Yes. Our application is non-binding, 100% free, and it won't affect your credit score. Additionally, each policy has a 30-day free look period. If you cancel the policy within the first 30 days, you will receive a full refund of premium paid. After 30 days, you may cancel your policy at any time without cancellation fees.
A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill.
» Learn more: Life Insurance 101 (PDF)
Your life insurance can help cover some of life's biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it's up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free.
» Learn more: Do I need life insurance? (PDF) | Life Insurance 101 (PDF)
info@greatchoiceinsurance.co • Mario Diez • (954) 440-6100