Your life insurance options
There are two broad categories: individual and joint. Consider how long you need coverage, what it's for, and what you can spend.
Individual policies cover one person. The two main types:
Term life Most affordable and straightforward. Covers a set period (typically 10–30 years). If you pass during the term, beneficiaries receive a lump-sum death benefit. No benefit is paid if you outlive the term.
Permanent life
More complex, but offers lifelong coverage. Whole life is the most common type: guaranteed payout at death and builds "cash value" that can be borrowed against tax-free.
Joint policies cover two people, typically a married couple:
First-to-die
Second-to-die
Pays a benefit to the surviving spouse when the first partner passes. The policy then terminates.
Pays a benefit to beneficiaries after both partners have passed. Often used for estate planning.
Ready to apply? Talk to your agent today.
0 thos Technologies Inc. ("thos"). thos operates in some states as thos ife Insurance ervices. C license 0 license 1001. thos offers policies issued by the carriers listed at www.ethoslife.comcarriers. Products and their features may not be available in all states. The information and content provided in this document is for informational purposes only and is not to be considered legal, tax, investment, or financial advice. No contract is formed or amended by this document
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