Life Insurance. It isn't just for you, it's for the ones you love.

Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of the insured. It can be used to help ease the financial burden of your death. It can send your kids to school, pay off the home mortgage to ensure your spouse won't have to move, and simply help your spouse live in a comfortable lifestyle.

Calculate Your Life Insurance Needs

LIFE INSURANCE NEEDS CALCULATOR

Types of Life Insurance

Term insurance provides life insurance for a specified term, and is significantly less expensive than an equivalent permanent policy. Many term policies can be converted to permanent policies at a later date without further medical underwriting.

Whole life insurance provides lifetime coverage for a set premium, where the premium will never increase. The owner can access money in the cash value through withdrawing money, borrowing the cash value, or receiving the surrender value.

This product is intended to combine permanent insurance coverage with greater flexibility in premium payments, along with the potential for greater growth of cash values.

Term or Permanent Life Insurance: Which is Right for You?

Term Life Insurance

Many people rely upon term insurance for more temporary coverage of certain needs, such as:

  • Income protection when household’s primary income-earner is younger
  • Having emergency money available should primary income-earner pass away
  • Financial protection to cover large or rapidly-increasing needs – for example, a fast-growing family, a loved one having special care needs, or other situations where needs may be outgrowing household income
  • A supplement for permanent coverage during years of high protection needs

Permanent Life Insurance

On the other hand, permanent insurance may be a better-fitting option for more long-term goals. When structured properly in relation to other assets, permanent life insurance can also be used for retirement or lifelong financial objectives. The cash value component enables a number of functions, including:

  • Providing another tax-advantaged “bucket” to build up retirement money, in addition to 401(k), IRAs, or other retirement savings plans
  • Generating potentially tax-free income for retirement
  • Paying for college tuition or other costly educational expenses for loved ones
  • Paying off mortgage debt or other holdover debt at time you need it
  • Having money to put towards a rainy-day purchase
Ethos life insurance.

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    • For Term Life, Whole Life or Guaranteed Issue
    • For ages 20-85
    • Instant Coverage with NO medical exams or bloodwork

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Final Expense Insurance.
  • No Medical Exam
  • Accumulates Cash Value
  • Quick Payout (usually within 48 hours)
  • Affordable Premiums
  • Leave Memories for Your Family (not bills)

Average Funeral Costs

$9,075

Typical Cost of Burial Funeral

Burial

$5,000 to $20,000+

Cremation

$3,500 to $9,000

Professional Fees

$1,750

  • Funeral company's or director's labor costs
  • Mortuary care (embalming)
  • Tranport of the body

Ceremony

$175

  • Clergy for the service are usually $100 to $200
  • Celebrants usually charge between $150 to $500 for a service

Caskets

$4,325

  • Wooden caskets range from $4000 to $9000
  • Metal caskets range from $7000 to $28000

Disbursements

$725

  • Death and cremation certificates
  • Newspaper obituariers
  • Flowers
  • Memorial attendance books
  • Orders of service booklets
  • Refreshments
  • Live music

Burial

$2,100

  • Burial plot
  • Digging fees

3 Reasons Why You Should Own Diability Insurance

Disability Insurance Could Also Be Called Income Protection!

What happens if your paycheck stops? Can you keep enjoying life? Most people do not have the money to keep living as they want to while they recover. Many live paycheck to paycheck.

You never want to be a burden. Family members have full time jobs, kids in college and their own household expenses. They will try their best to help , but how much help can they be?

Mortgage, Rent, Utilities, and Other Bills... If you do not have a large savings account, you could lose your home, spoil your credit or even worry about keeping your utilities on. Disability insurance can be your answer.