Life InsuranceUnderstanding the Cost of Life InsuranceWhile it's not the most comfortable topic to consider and discuss, it's what life insurance tackles. For that reason, the healthier and younger the applicant, the lower their cost of life insurance tends to be. However, rates for life insurance are affected by the kind of policy in question and the coverage amount of that policy.May 12, 2022
Life InsuranceSmoking and Life Insurance ExplainedLife insurance rates for smokers incorporate the health risks associated with nicotine and smoking. Since those health risks can be so extreme, the rates for life insurance policies can increase significantly.May 12, 2022
Life InsuranceLife Insurance After DivorceGoing through a divorce involves accepting a lot of change. And it's not just emotional — there are many financial decisions to make, or even be subject to, depending on the nature of the split and any court orders that go into effect. Life insurance and divorce aren't always the first things you think of when you begin the process.Mar 28, 2022
Life InsuranceLife Insurance Death Benefits, ExplainedPeople purchase life insurance so their heirs will receive the death benefit if they pass away while the policy is in place. At its most basic, a life insurance policy is designed to protect those you love after you're gone, and the life insurance death benefit does just that.Mar 21, 2022
Life InsuranceCan You Get Life Insurance with a Criminal Record?Life insurance forms an integral part of many families' financial security. With the right policy, you can ensure that finances are available to care for your loved ones if the worst were to happen.Mar 12, 2022
Life InsuranceLife Insurance for Single PeopleIf you're not married, you may wonder if it's necessary to have life insurance. After all, you may not have anyone else who relies on you financially. But when considering questions to ask yourself about coverage, there are several situations when getting a life insurance policy makes sense.Mar 8, 2022
Life Insurance20-Year Term Life Insurance ExplainedA term life policy is often the answer for those looking for life insurance in its purest form. Term policies have the core features of life insurance without certain add-ons that can make other policies more expensive and nuanced. In general, 20-year term life insurance costs are typically lower than permanent insurance plans.Feb 28, 2022
Life Insurance30-Year Term Life Insurance ExplainedTerm life insurance policies are perhaps the most common form of life insurance, and they tend to have the most competitive rates. But their affordability doesn't necessarily mean they are less valuable for you. In fact, term policies can offer higher coverage amounts than other forms of life insurance.Feb 28, 2022
Life Insurance10 Life Insurance Statistics from 2021We've gathered the most recent, interesting life insurance facts to shed light on the latest trends. These resources are helpful for people thinking about getting coverage or who may want to make changes to their existing policies.Feb 28, 2022
Life Insurance6 Considerations When Creating a Power of AttorneyThere are many reasons why you'd want to designate a trusted person as your power of attorney. And the person need not be a lawyer, despite the name. Let's take a closer look at what this legal concept entails and how to answer the question, do I need a power of attorney?Feb 27, 2022
Life InsuranceAre You Underinsured for Life Insurance?Since life insurance coverage is situational, it's vital to periodically review your policy limits and compare them to your current goals.Feb 27, 2022
Life InsuranceLife Insurance for Business OwnersLife insurance offers security, and small business owners may find life insurance particularly useful as a financial safety net.Feb 27, 2022
Life InsurancePreparing for the Cost of Raising a ChildIn 2021, the cost of living increased by 6.8%, one of the biggest jumps since the early 1980s. It goes without saying that food, housing, transportation, and other costs will increase each year. Luckily, some extra foresight and planning can help you prepare for parenthood without a ton of extra stress. Here's how to prepare for the average cost of raising a child in the U.S.Feb 16, 2022
Life InsuranceLife Insurance for Self-Employed PeopleIn addition to choosing the right amount of coverage to protect both your family and your business, you should also determine the best type of policy to meet your needs. Here is everything you need to know about picking a life insurance policy for self-employed contractors or business owners.Jan 31, 2022
Life InsuranceDo You Need A Contingent Beneficiary?If you already have a life insurance policy or you plan to purchase one soon, it's vital to name at least one primary and one contingent beneficiary on your policy. It's equally important to understand the role of each and what happens to your life insurance proceeds in the unlikely event you pass away with no beneficiary named on your policy.Jan 31, 2022
Life InsuranceTemporary Life Insurance: What You Need to KnowWhen you purchase a life insurance policy through Ethos, your coverage begins immediately. But that's not the case with many other insurers. If you're shopping around, it's important to understand waiting periods and temporary life insurance.Jan 31, 2022
Life Insurance4 Things to Know About Supplemental Life InsuranceMany people choose to purchase group life insurance through their employer. It's convenient to enroll and usually very affordable, with guaranteed acceptance. Sometimes, an employer may cover all or part of the policy premium.Jan 31, 2022
Life InsuranceUnderstanding Community Property StatesCommunity property also applies to life insurance and other topics related to estate planning. If you live in any of the nine community property states that follow this allocation method, it's essential to understand the basic meaning of community property.Jan 30, 2022
Life Insurance10 High Risk Jobs That Can Make Getting Life Insurance ToughSimilar to having a dangerous hobby or an unfortunate medical history, a high-risk occupation can place your life insurance prospects into a different category. But not every life insurance company approaches high-risk occupations the same way, and companies often weigh the same risky job differently.Jan 29, 2022
Life InsuranceThe Role of Life Insurance in Estate PlanningHere are five life insurance strategies for estate planning that maximize both the amount of wealth you leave behind, as well as the amount you protect from taxes.Jan 29, 2022
Life Insurance6 Reasons New Homeowners Should Change Their Life Insurance CoverageA bank or lender doesn't usually require life insurance when buying a home, but it's a good idea to consider how a policy can benefit you and your family. Here are six ways that life insurance can help provide financial security after you purchase a home.Jan 29, 2022
Life InsuranceFinal expense life insurance vs. traditional life insuranceIf you are choosing between traditional life insurance vs. funeral insurance, it’s important to understand the differences between the two policies. Although final expense insurance can be valuable, you might decide that regular life insurance is a better option for your needs.Jan 28, 2022
Life InsuranceLife Insurance Coverage for Veterans and Their Family MembersKeep reading to learn more about the best life insurance for veterans and their families, plus when to choose a private policy instead.Jan 28, 2022
Life InsuranceUnderstand the Life Insurance Contestability Period, so Your Claim Isn't DeniedJan 27, 2022
Life InsuranceYour Guide to Life Insurance and WillsYour will is a legal document that handles your bequests to your heirs and ensures your desires are carried out regarding your property — including money, your home, and other belongings.Jan 24, 2022
Life Insurance6 Things to Consider When Choosing a Guardian for Your ChildEach and every decision surrounding your kids can have a lasting impact. That's especially true when choosing a guardian for your children. Explore these key points when choosing a guardian for your child.Jan 24, 2022
Life InsuranceYour Guide to Life Insurance LoansLife insurance loans are a convenient way to access the cash value of a permanent life insurance policy. One of the primary benefits of owning a policy is that the policies build cash value.Jan 24, 2022
Life InsuranceWhat to Know Before Cancelling a Life Insurance PolicyLife insurance is a great investment for many people, but at some point, you may decide to cancel your policy. Maybe you've paid off all your debt, or you want to switch to a different provider. Whatever the reason, it’s important to know what happens when you cancel your life insurance, how to do it, and what potential penalties you could face.Jan 21, 2022
Life InsuranceIs a $500k Life Insurance Policy Enough?Life insurance helps provide peace of mind knowing your loved ones may be financially protected if you pass away suddenly. Most financial planners agree that having a life insurance policy is essential—but how much insurance do you need?Jan 21, 2022
Life Insurance5 Healthy Habits to Help You Qualify for a $1 Million Life Insurance PolicyOne million dollars may sound like a lot of money. However, suppose you have a mortgage, outstanding debt, and loved ones who rely on you for support. In that case, a million-dollar life insurance policy becomes less of an extravagance and more of a necessity.Jan 20, 2022
Life InsuranceCan You Get Life Insurance If You Are Unemployed?Most people rely on a steady paycheck to pay the bills and financially support their dependents. However, if you're unemployed, you could lose out on key benefits, such as employer-sponsored retirement plans and group health insurance.Jan 20, 2022
Life Insurance5 Times to Re-evaluate Your Life Insurance NeedsWhen a life insurance policy is well-tailored to you and your circumstances, it can serve as a robust safety net. But sometimes life shifts in ways we don't anticipate, and that customized piece of financial security can ring a bit out of tune.Jan 19, 2022
Life InsuranceSGLI to VGLI ConversionKeep reading to determine if you should convert from SGLI to VGLI, how the process works, and if a private policy is a better fit for you.Jan 19, 2022
Life InsuranceRisk Factors of Living Without Life InsuranceWhen people maintain a life insurance policy, they secure a degree of protection that's hard to find elsewhere. From lingering debt to funeral costs, there are numerous risks of living without protection for your family's future, and these risks are some of the most important reasons for life insurance.Jan 18, 2022
Life Insurance5 Things Needed to Prepare for End of Life PlanningAlthough unpleasant and uncomfortable, the importance of end of life planning is hard to overstate. While it's challenging to consider these weighty matters, it can ease the burden on your loved ones later on.Jan 18, 2022
Life InsuranceEstablishing a Life Insurance TrustCreating a life insurance trust allows you to name a beneficiary who may not be able to legally control their finances at the time of your death, like a child. Alternatively, an insurance trust also lets you set limitations on how and when the beneficiary may take distributions.Jan 14, 2022
Life InsuranceAffordable Life Insurance for Every BudgetMore than half of Americans believe life insurance costs over three times higher than it actually does, according to a 2021 Insurance Barometer Study from LIMRA. Consequently, they make the costly mistake of delaying purchasing a policy. However, there are ways you can secure affordable life insurance without breaking the bank.Jan 13, 2022
Life InsuranceHow Does Renewable Term Life Insurance Work?Term life insurance is a straightforward type of policy, and it can offer you substantial financial protection. Here, we've compiled some of the most common questions to help demystify the process, so you can finally understand how term life insurance works.Jan 11, 2022
Life InsuranceA Guide to Life Insurance and DivorceDivorce and life insurance policies don't seem like they'd go hand-in-hand, but you'll want to spend some time understanding how to handle them. Here, we'll cover what questions to ask about life insurance and divorce, as well as steps you may want to take to ensure your policy still covers you adequately following your separation.Jan 10, 2022
Life InsuranceLife Insurance and Student LoansIt's undoubtedly a grim circumstance to consider, but what happens in the unfortunate event you pass away before paying off the loan? It's crucial to understand how student loan debt will impact your cosigners in the unlikely event that you pass away. A good life insurance policy can help protect your student loan cosigner.Jan 7, 2022
Life InsuranceThe Life Insurance Free Look PeriodIf you change your mind at any time during the first 30 days following the purchase of your life insurance, you can cancel your policy and receive a full refund of any premiums paid. There are no fees, surrender charges, or hidden costs. It's simple and easy, just like getting life insurance through Ethos.Jan 6, 2022
Life InsuranceWhat to Do If You're Denied a Life Insurance PolicyThere are many reasons you can be denied life insurance, some of which are out of your control. However, even if you're denied life insurance, it doesn't necessarily mean you can never purchase a policy. It just means you need to find the right insurance company to work with you.Jan 4, 2022
Life InsuranceDo Life Insurance Rates Fluctuate with the Economy?Learn more about the economic impact on the insurance industry and how it can affect fluctuations in both term and whole life insurance policies below. You'll also discover how to find affordable coverage that suits your needs and budget quickly.Jan 3, 2022
Life InsuranceHow Life Insurance Can Protect Your MortgageA mortgage is typically one of the most significant purchases you'll make in your life. In the third quarter of 2021, the median home sales price in the U.S. was over $404,000. Without enough life insurance to pay off a mortgage, you could be jeopardizing your family's financial and emotional well-being should the unexpected occur.Dec 22, 2021
Life Insurance5 Tips for Buying Life Insurance: Everything You Need to Get StartedDon't worry—getting educated is the first step to making the best choice. Here at Ethos, we've got the best tips for buying life insurance, so you can get a policy that works for you.Dec 21, 2021
Life InsuranceWhy do some Life Insurers Require a Medical Exam?Medical exams are a common requirement for life insurance, but they can be a barrier for some applicants. Ethos Life simplifies the process for our applicants by not requiring a medical exam.Dec 20, 2021
Life InsuranceTips on Finding Affordable Life Insurance for SeniorsIf you're an older adult looking for the best life insurance for seniors, you may be wondering about the options for life insurance for elderly people. Rest assured—it's not too late for you to purchase online life insurance if you're over 55.Dec 17, 2021
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