Life Insurance — Protect the People Who Depend on You
If anyone counts on your income — a spouse, kids, aging parents, a co-signer on a mortgage — life insurance turns that responsibility into a guarantee. Get an instant online quote in about 5 minutes, or talk to a licensed bilingual advisor who will walk you through term vs. whole life and recommend the right amount for your family.
Coverages we place
- Term life — affordable coverage for 10, 15, 20 or 30 years (best for most families)
- Whole life — permanent coverage with cash value that grows over time
- No medical exam options for many applicants — coverage can start the same day
- Coverage amounts from $25,000 up to $2 million+
- Income replacement, mortgage payoff, college funding, and final expenses
- Optional riders: accelerated death benefit, child rider, waiver of premium
Who needs this coverage
Anyone whose death would create a financial hardship for someone else. That includes parents with young kids, married couples sharing a mortgage, business partners with buy-sell agreements, and adult children helping support aging parents. The younger and healthier you are when you apply, the lower your rate locks in for the life of the policy.
What drives your premium
- Age at application — rates rise every year you wait
- Health (tobacco use, BMI, blood pressure, prescriptions)
- Coverage amount and term length
- Type of policy (term is the most affordable; whole life costs more but builds value)
- Family medical history
Common exclusions
- Suicide within the first 2 policy years (industry-standard contestability period)
- Material misrepresentation on the application
- Death while committing a felony
- Acts of war (in some policies)
Frequently asked questions
How much life insurance do I need?
A common rule of thumb is 10–12× your annual income, plus enough to pay off the mortgage and fund your kids' education. A 35-year-old earning $75K with a $300K mortgage and two kids typically needs $1M–$1.5M of term coverage. Our advisors will run the calculation for you for free.
Term life vs. whole life — which is better?
For most families, 20- or 30-year term is the right answer: it's the cheapest way to cover the years your kids are dependent and the mortgage is being paid down. Whole life makes sense for estate planning, business succession, or when you want a permanent death benefit and tax-deferred cash-value growth.
Can I get coverage without a medical exam?
Yes. Many carriers now issue policies up to $1M+ with no exam — using accelerated underwriting that pulls prescription history, MVR, and electronic health records. You can often complete an application in under 10 minutes and have a decision the same day.
What if I have a pre-existing condition?
Most conditions — including controlled diabetes, depression, sleep apnea, and even a history of cancer in remission — are insurable. The rate class will depend on the specifics. Our advisors shop multiple carriers to find the one most lenient on your particular condition.
How long does it take to get covered?
With instant-decision carriers, coverage can begin the same day you apply. Traditional fully-underwritten policies (with a medical exam) take 3–6 weeks but often offer the lowest rates for healthy applicants.
Is the quote from Ethos binding?
The online quote is an instant estimate based on the answers you provide. The final rate is confirmed once underwriting is complete — usually within minutes for the no-exam path. If you'd rather have an advisor compare multiple carriers for you, choose 'Talk to an Agent' below.
Related coverage
Get a free quote or call (321) 206-8035.