Term Life Insurance

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About Instant Decision Term Life Insurance

Instant decision level term is a type of affordable term life insurance that has a defined duration that can easily be taken out with no medical exam required.  Your coverage will last as long as the guarantee period you apply for and pay the premiums in full.   In other words, your premiums and death benefit will not change for the full duration of the guarantee period.  Above all, for most people of working age, this type of coverage can be taken out in minutes.

Misconceptions About Life Insurance

Cited that life insurance is "Too Expensive."

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Overestimate the true cost of a basic term life insurance policy.
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By how much half of all Americans overestimate the cost.
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Number of uninsured American adults or underinsured.
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Cited that life insurance is "Too Expensive."

0 %
Overestimate the true cost of a basic term life insurance policy.
0 %
By how much half of all Americans overestimate the cost.
0 X

Get the peace of mind knowing your family’s future is taken care of.

Apply online for real suggestions and premium rates.  Most policies issued in less than an hour.

What is term insurance?

Term insurance is just as it sounds; it’s a policy that’s designed to meet your needs for a set period of time.  Another was to think about term insurance is that it’s there to protect your family if you pass away prematurely

Term insurance also gives you the most coverage for the least monthly cost as there is no cash value fund.

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What is guaranteed level coverage?

A term life policy with guaranteed level premiums means that the premiums are set for a specified term period. For example, a 20 year level term would guarantee the rate would not change for the next 20 years. 

What solutions are right for you?

Using our quote tool you can get an estimate of your life insurance needs and apply for coverage in one continuous process. With our simplified underwriting, most qualified applicants will not need to undergo a medical exam and will get a response within just a few minutes.   

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Our Application Process

Using our automated life insurance tool gives you the information that you need to make the best choice.

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Needs Analysis

Ok, you know that you need life insurance, but you don’t know how much coverage you need or for how long you’ll need it. Using the Ethos life insurance tool gives you the information that you need to make the best choice.  Just answer the questions online and get instant answers.  No giving out your contact information just to use the tool.  

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Get a Quote

Getting an online quote is simple and easy.  Just answer a few questions, and see an instant quote.  You can even see different premium amounts instantly by using the slider bar tool.

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Applying for Coverage

Ok, you know that you need life insurance, but you don’t know how much coverage you need or for how long you’ll need it. Using the Ethos life insurance tool gives you the information that you need to make the best choice.  Just answer the questions online and get instant answers.  No giving out your contact information just to use the tool.  

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Underwriting

Underwriting is down electronically, and usually done instantly, with information drawn from 3rd party sources, such as DMV, prescription drug records, credit-based insurance scores, and the MIB (Medical Information Bureau) records.

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Accepting Your Coverage

Once underwriting is completed, and coverage is offered by the carrier and approved by you, all that’s left is for you to activate your policy by approving payment and downloading your digital policy documents.

There are many reasons why someone may need protection, and understanding these reasons can help you determine if life insurance is the right choice for you.

According to a LIMRA study, consumers incorrectly assume the cost of life insurance to be up to 3 times higher than it really is.  The truth is that it is likely much more affordable.

Many people make mistakes when it comes to their life insurance. Here are 6 mistakes people make with their life insurance and how to avoid them.

Frequency Asked Questions

Not as long as you’re still within your guarantee period.  Example – If you applied for a 20 year level term, your premium cannot change for the next 20 years.

No, once the policy is activated, the insurance company can not make any changes to your policy unless underwriting finds (within the first two years) that material factual misstatements were made on your application. The bottom line is, just be truthful in your answers.

The claim process is simple and straightforward.  The beneficiary just contacts the insurance company to request a claim form.  They then return the completed claim form along with an official copy of the death certificate to the insurance company (if the death occurred within 2 years of the policy issue date, a death certificate that lists the cause of death will be needed.)  Once all the documents have been received and approved, the insurance company will send payment to the beneficiary within a few weeks. 

The guarantee period is the amount of time that your policy premiums will not change.  Once that expires, your policy premiums will revert to the rate based on your currrent age.  This usually means a dramatic increase over what you were previously paying.  

No, you can cancel the policy at any time without any penalties or cancelation fees, and will not adversely affect your credit rating.

There is a 30 day “free look” period in which you can cancel the policy for any reason and get a full refund of your premium. After that time, you can cancel your policy with no cancellation fees.

Get the peace of mind in knowing your family's future is taken care of