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types of insurance coverage


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 with Ethos might be right for you if:

  • Your loved ones 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

  • You appreciate the straightforward nature of term life insurance


Whole life insurance can last the rest of your life with a guaranteed payout for your loved ones.

Whole life insurance may be a great fit for you if: 

  • You want coverage for the rest of your life

  • You want a policy to build cash value over time

  • You want to invest for a long-term benefit


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Life Insurance In Your 30's

If you’re like many adults in their 30s, you’re going
through a whole lot of big life changes. Maybe you’re
buying your first home, getting married, having kids, or
starting a business. Whatever you’re going through as a
30-something, chances are there’s one thing you may
not be thinking of: life insurance.

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Life Insurance In Your 40's

As a 40-something, you’re likely in the midst of some
financially demanding years, with a complex mix of
responsibilities and assets you want to protect. Here are
a few critical reasons why it may make sense to get life
insurance in your 40s.

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Life Insurance In Your 50's

When you reach your 50s, you have many things to look
forward to. Your kids are most likely older or already
grown, and you are probably more financially secure than
ever before. However, when it comes to financial planning
for your 50s (and up), does life insurance have a place?

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