Term life insurance is something that most of us don’t like to think about, but we all should. All of us – myself included – shy away from thinking about life insurance. Because when we think about life insurance, it means we have to think about our own mortality. The thing is, we’re all going to die. No one gets out alive, as they saying goes. We owe it to our families to conquer that fear of thinking about that fact and protect our loved ones with life insurance, and term life insurance is a great way to do that.
*Sponsored post. All opinions are my own and not swayed by outside sources.*
My husband and I have finally gotten our act together and have been researching life insurance. It’s a complicated thing, so when Ethos approached me and asked me to look at their program for the blog, I jumped at it. And what I found was that Ethos makes protecting my family easy and affordable. It’s the best combination.
Term life insurance is a type of life insurance that offers coverage for a fixed length of time. With this coverage, you pay a fixed rate for the length of the term, so there are no unexpected rate hikes or coverage changes. These terms can range from short periods of time to extended lengths of up to 30 years.
What Does Ethos Do
Ethos allows us to protect our families in the event of our deaths with term life insurance coverage that lasts for up to 30 years. With Ethos, we can ensure that our families never have to worry about bills related to existing debt, hospital and long-term care expenses, and the final expenses of our funeral and related costs. The company allows us to quickly, easily, and affordably ensure that our families don’t have to deal with the stresses of financial issues on top of losing us, and I that is incredibly important to me.
There are a lot of ways to ensure our families against our deaths. The traditional and most common method is to sign up with an insurance agent. However, that is time consuming and far more expensive. Ethos allows us to sign up for coverage in as little as 10 minutes and avoid the headaches and complications associated with traditional coverage sign ups. Take a look.
Traditional Term Life Insurance Sign Up
- Takes over 5 weeks on average
- Apply at an agent’s office
- Medical exams are required
- Blood tests are required
- More costly
Ethos Term Life Insurance Sign Up
- Takes as little as 10 minutes
- Apply online
- No medical exams for most people
- No blood tests for most people
That comparison made it easy for me to choose Ethos. I’m a busy mom of three who juggles kids’ activities, a full time dental practice, a blog, and associated blog trips. I have no time to mess around with long wait times, exams, and blood work. And I am DEFINITELY not interested in paying more than I have to. That made it an easy decision for me. Plus, Ethos has been in business for 127 years and has an excellent rating from A.M. Best!
Ethos Term Life Insurance is a Great Option for Anyone
Term life insurance with Ethos is an affordable way to protect you family in the event of your death. It’s easy to apply for their coverage, AND it’s affordable. That’s a winning combination in my book. With Ethos, you can choose a policy that lasts as long as 30 years and has coverage options from $25 thousand to $10 million. When you add in the fact that there are usually no medical exams or blood work and NEVER any trips to an agent’s office, Ethos is a clear winner. My husband and I were quite impressed with them, and I think you will be, too. So head over to the Ethos website and learn more about their term life insurance coverage options and how they can protect your family.