Life insurance can be a tough subject to discuss ,or even to think about. It can literally be mind-blowing to try to figure everything out and some may still be unable to grasp everything that they've read or filled out. But I've got good news for you because today I have partnered with Ethos to share all about their hassle free life insurance options. As always, opinions are my own.
Hassle Free Life Insurance
With no pushy salespeople to get in your way, Ethos makes shopping for life insurance a more pleasant experience. There is no need to even get dressed because you can apply for term life insurance online right in your pajamas, 24 hours a day. The modern consumer can appreciate the simpler and more accessible term life insurance that Ethos offers, which is also more affordable than other types of life insurance.
Term life insurance is the simplest and most affordable type of life insurance, making it a top choice of life insurance for many families. Their 10, 15, 20, or 30-year term policies provide coverage for a set amount of time and your monthly payments or "premiums" keep the policy in effect. A pre-set cash payment is paid to your beneficiary in the event of your death, while the policy is in effect.
Ethos makes the life insurance shopping experience easier because they literally take care of everything. They'll never try to upsell you and applications for $25k - $10m in coverage can take as little as 10 minutes. Most healthy people are approved instantly and 99% of applicants won't need a medical exam. This sure beats other companies where you're in constant back and forth communication with an agent who ends up pressuring you to purchase a more expensive policy to help them get a bigger commission! Plus with mandatory medical exams, blood and urine tests, as well as a process that can take several weeks to months, those other agencies can give you quite the headache!
With Ethos and their partner Assurity, an "Excellent" rated life insurance company that has been around for 130 years, you will receive competitive prices and a 10 day payout on most claims. They are always just a phone call away and as little as $1/day could potentially buy your family $1 million of coverage for 20 years!
Life insurance protects those you love in the event of your death and can relive a huge financial burden to your family by taking care of simple things like funeral expenses and bills that you've left behind. But it can also help to provide for their future financially. Imagine being in a one income household and the bread winner passes away unexpectedly. Now what?
There are countless scenarios that I could discuss, but it all boils down to the fact that having a life insurance policy is a good idea in any situation. If you want a hassle free life insurance shopping experience then Ethos has you covered!