Do I need life insurance? If something happens to you, your loved ones lose not just you — but your income and everything else you provide. If you support someone financially or as a caregiver, life insurance is essential.
If you fall into one of these categories, you likely need life insurance:
Parents Raising a child costs $322,422 as of June 2025 (U.S. News). Life insurance ensures your children have financial support. Breadwinners A term policy can replace your income through your peak earning years if something happens to you. Stay-at-home parents Your contributions are valued at $145,235 per year as of May 2025 (Insure.com). Life insurance eases the financial burden on your partner.
H omeowners Your mortgage is likely your largest debt. G et coverage that lasts at least as long as your loan. R etirees A whole life policy can cover final e x penses and give your loved ones peace of mind. C areta k ers If someone depends on you (an elderly parent , a family member with a disability) , coverage ensures they ' d still be cared for. Students P rivate student loans may not disappear when you do. Your cosigners or family could be on the hook.
Business owners Life insurance can help ensure your business continues operating.
Divorced parents A term policy can cover child support payments for the years they're owed.
What if I already have coverage through work? E mployer policies are typically far less than the 10x experts recommend as of September 2025 (Forbes).
When should I get life insurance? R ates increase as you age, so applying sooner loc k s in your lo w est rate. R evisit your coverage at these milestones : getting married, having a child, buying a home, ta k ing on debt, starting a business, planning for retirement, end - of - life planning.
Ready to apply? Talk to your agent today.
E thos echnologies Inc. E thos operates in some states as E thos ife Insurance ervices. license E thos oers policies issued by the carriers listed at www .ethoslife.comcarriers. roducts and their features may not be available in all states. he information and content provided is for informational purposes only, and it is not to be considered legal, ta, investment, or financial advice, recommendation, or endorsement. ou should consult w ith an attorney or other professional to determine w hat may be best for your individual needs. o contract is formed or amended by this document R license .
E
-
Page 1Made with FlippingBook - professional solution for displaying marketing and sales documents online