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What is life insurance?

70% of American families would be bankrupt in months if they lost the primary breadwinner*.
Simply put, life insurance is a way to provide financial protection for your loved ones in their most vulnerable moments. A life insurance policy ensures that if you die while your policy is active, your loved ones will receive a lump-sum payout, known as a death benefit. The death benefit can be used to cover things like mortgage or rent payments, education costs, funeral arrangements, and more.

In its simplest state, every life insurance policy is made up of these four components:

  1. Insured – The person whose life is covered under the policy. Typically, this is the person who owns the policy and pays the premiums, however, it is possible for the policy owner and payor to be someone other than the insured.
  2. Beneficiary – The person(s), entity, or institution(s) that receive the death benefit if the insured person dies. You can name one person (or more) as beneficiaries when you purchase a policy.
  3. Premium – The money paid to keep a policy active. Payment ensures that the insurance company will provide your beneficiaries with the stated death benefit in the event of your passing. If you stop paying premiums, the policy lapses.
  4. Death benefit – The money paid out if the insured person passes away. Death benefits are generally not subject to an income tax and beneficiaries usually receive the benefit in one lump-sum payment

Wonder how much coverage you need?

Our coverage calculator helps estimate how much coverage you need to protect your family.

What type of life insurance is right for me?

Permanent and term life insurance are the two main types of individual life insurance. When choosing between the two, consider how long you want coverage, the purpose of the coverage, and how much you want to pay. Here’s a brief overview of each to help you decide which one may be the best fit for you and your family.
Permanent (whole or universal) life insurance

As long as the premiums are paid, this type of coverage is active for your whole life, guaranteeing the eventual payout of a death benefit. It can cost 5-10X more but if the premium is within budget, it can be a good option for anyone interested in insurance that accumulates cash value and doesn’t end.

  • Most types of permanent life insurance offer a cash value component that accumulates as policy premiums are paid. This cash value typically grows with a guaranteed minimum rate of return.
  • In most cases, the insured person can borrow against the cash value that’s accumulated in the policy, withdraw the cash value, or leave it in the policy to increase or maintain the death benefit.
  • Due to the duration of the coverage and cash value accumulation possibilities, premiums for permanent coverage are typically more expensive than those for term life insurance.

Real-world example: Frank is 68 years old, and retired. He wants to make sure he doesn’t saddle his loved ones with expenses when he passes away. He’s looking for coverage that doesn’t expire, so he can guarantee the payout of a death benefit that will take care of his final expenses. A whole life policy makes the most sense for Frank because he will be covered for the duration of his life.

Learn more about whole life insurance with Ethos→

Term life insurance

Term policies last for a specific amount of time (your term), and there is no cash value accumulation. The death benefit is only payable to the beneficiaries upon the death of the insured person during the term. Because it costs less and is more straightforward it’s a good option for many people.

  • You are able to choose the length of your term and the amount of coverage that would be paid out to your beneficiaries if you die before your term ends. If you die after your term ends, no death benefit is paid. It’s that simple.
  • If you outlive your term, you will typically have the option to renew your policy.
  • Term life insurance premiums usually cost less than permanent life insurance, making it an affordable option for many.

Real-world example: Sarah is a married, 35-year-old mother of 2 young children. She’s the primary breadwinner for her home, and she wants to ensure that her children will still be able to attend college in the event of her untimely death. For Sarah, a term policy makes the most sense. By structuring the term length around the time her children expect to make it through school, she can protect her children’s educational future.

Learn more about term life insurance with Ethos→

Whole vs term life

Learn more about how they compare so you can decide which type of policy will best meet your individual needs.

Employer-sponsored (group) life insurance

Group life insurance typically comes in the form of an employer-sponsored life insurance policy. You may already have some coverage provided to you as an employee benefit. However, this type of policy might only provide a fraction of the coverage you need. For this reason, many people buy an individual term life insurance policy to supplement the coverage they receive through work.

Get an instant quote

The traditional paper process can take weeks, even months. Ethos speeds up this process, saving you time and money.

How much coverage do I need?

It ultimately depends on the personal and financial circumstances of each individual. In general, you can find your ideal coverage amount by calculating your long-term financial obligations and then subtracting your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.
(The term life insurance quotes shown are for a Legal & General, America policy for applicants who are in good health.)

How much does life insurance cost?

It’s different for everyone and varies based on your unique situation. The biggest factors that can affect your premium include:

  • The type of policy you choose: Whole life policies tend to cost more than term life policies because they last for your entire life, and accumulate cash value.
  • The type of underwriting experience you want: Simplified and guaranteed issue policies tend to be more expensive because they don’t require full underwriting and are written without a medical exam.
  • Your coverage amount and term length: Less coverage and shorter term lengths tend to cost less–that’s another reason whole life policies cost more, they never expire.
  • Your age: Younger people typically have lower rates.
  • Your health status: Healthier people typically have lower rates.
  • Your tobacco use: Non-smokers typically have lower rates.

Learn more about how your life insurance rate is calculated.

What People Are Saying About Us

  • 4 star review  Positive: Value

    thumb Oh’Zee’Ehl Harris
    September 12, 2021

    5 star review  Positive: Professionalism ,  Quality ,  Responsiveness ,  Value Sean is an extremely knowledgeable and personable agent who pays attention to detail.. He made me aware of the various life insurance options available and affordable to me. I am pleased with my purchase, and would highly recommend Sean and his partners to anyone looking for life insurance and agents with integrity. 😀

    thumb Mary Ann West
    September 11, 2021

    5 star review  Positive: Professionalism ,  Quality ,  Responsiveness ,  Value A+ customer service. Took his time to explain everything and answer all of my questions. Highly recommended!

    thumb Val Strick
    September 11, 2021
  • 5 star review  Sean is an extremely knowledgeable and personable agent who pays attention to detail.. He made me aware of the various life insurance options available and affordable to me. I am pleased with my purchase, and would highly recommend Sean and his partners to anyone looking for life insurance and agents with integrity. 😀

    thumb Mary Ann West
    September 11, 2021

    5 star review  A+ customer service. Took his time to explain everything and answer all of my questions. Highly recommended!

    thumb Val Strick
    September 11, 2021

    5 star review  Positive: Professionalism Sean had been my agent for years and he’s a quality guy.

    thumb Dean Wilkening
    September 9, 2021
  • 5 star review  Positive: Responsiveness Glad Sean is back to work .

    thumb Chris Mecca
    September 9, 2021

    5 star review  Sean Grant is a great agent

    thumb Richard Spencer
    September 8, 2021

    5 star review  Positive: Professionalism ,  Quality ,  Responsiveness ,  Value

    thumb Damon Ellison
    September 8, 2021
  • 5 star review  Positive: Professionalism ,  Quality ,  Responsiveness ,  Value

    thumb Karen D
    September 8, 2021

    5 star review  Positive: Professionalism ,  Quality ,  Responsiveness ,  Value

    thumb Mike Anderson
    September 8, 2021

    5 star review  Positive: Professionalism ,  Responsiveness He’s on point like he’s never left. Glad to see him back.

    thumb Shanta Danzy
    September 8, 2021
  • 5 star review  We are so bless to have our agent back in our lives, he’s like a son to us and give his very best to keep us in the knowing of our policies at all times. We love him and appreciate him so much, keep up the good work. ❤️ Very professional, agent S. Grant

    thumb ArtDarien Davis
    August 24, 2021

    5 star review  This is my first time calling with questions about my life insurance and I like to say he was very helpful and answer my question and very friendly…

    thumb Jesus Lopez
    August 20, 2021

    5 star review  Mr.Grant have been my agent for many years, very professional and pleasant personality each time I speak with him. He’s very caring and concern that you get the best that affordable to his members

    thumb LaVerne Woods
    August 16, 2021


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