Who should I refer?
Anyone you personally know who could benefit from life insurance coverage, especially someone who falls into one of the following categories.
![Two life partners embracing](https://res.cloudinary.com/getethos/image/upload/c_fill,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1597852539/02_Icons/icon-marriage_3x_mer9ig.png)
Married couples
Every person who's married should consider having coverage to protect their better half.
![A child's mobile](https://res.cloudinary.com/getethos/image/upload/c_fill,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1597852539/02_Icons/icon-parents_3x_fe4ukz.png)
Parents
If they've got kids, they've got things like college tuition to protect.
![House keys](https://res.cloudinary.com/getethos/image/upload/c_fill,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1597852539/02_Icons/icon-homeowner_3x_eicuk9.png)
Homeowners
Mortgages and other home-related expenses are no joke.
![An older individual](https://res.cloudinary.com/getethos/image/upload/c_fill,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1597852539/02_Icons/icon-caregivers_3x_psoeht.png)
Caregivers
If someone like an elderly parent relies on them for financial support, they need coverage.