Question 1

What does life insurance cover?

Accepted Answer

It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout.

Question 2

What kind of life insurance does Ethos offer?

Accepted Answer

We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $2 million, depending on what you qualify for.

Question 3

But I have insurance through my employer, isn’t that enough?

Accepted Answer

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work.

Question 4

Who is eligible to apply?

Accepted Answer

Age: All U.S. citizens and permanent residents ages of 20-85 can apply for coverage with Ethos. If you’re 65 and under, you can own term coverage until age 80. If you are over 65, a guaranteed issue whole life insurance policy might be an easy way for you to get coverage quickly. Location: Ethos is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.

Question 5

How much life insurance do I need?

Accepted Answer

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill.

For a more accurate estimate of your coverage needs; use our state-of-the-art-award winning coverage calculator below.

Question 6

Does Ethos offer a money-back guarantee?

Accepted Answer

Yes. Our application is 100% free and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy. You can cancel your policy by calling or emailing us, and requesting a surrender form for you to sign electronically. We will cancel your policy upon receipt, and there's never any cancellation fees.

Question 7

Can I speak with a real person?

Accepted Answer

Yes—we’re happy to assist and support you anytime. You can get in touch with our customer success team by sending us an email at support@ethoslife.com. (support@ethoslife.com.)

Agent Contact: Speak to your agent. Email us at Agent@EliLife.com for emergency text or call 516 289 3955.

Question 8

What makes us different?

Accepted Answer

*Unlike many of our competitors; at EliLife.com (EliLife.com)we periodically "check-in" to ensure things like your address and beneficiary are up-to-date, ensuring there is no confusion when your family needs us most.*

At EliLife.com (EliLife.com)we don't charge a premium for working with us, we give you 5-star customer service at no extra charge.

Any issues whatsoever contact us immediately we will do our best to make sure it's taken care of.

At EliLife.com (EliLife.com)we've created a 5-star customer service experience UNMATCHED in the industry.

Our policies are insured by established life insurance companies like Mutual of Omaha, Legal & General America, Ameritas Life Insurance Corp., and TruStage™.

By combining our streamlined application process with their coverage, we've been able to shrink the application process down to just minutes, compared to the weeks traditional applications require.

You get the dependability of major insurers and the convenience of a modern technology company.

Question 9

What is Final Expense Insurance?

Accepted Answer

Final Expense Insurance, also known as burial insurance or funeral insurance, is essentially a "small" Whole Life Insurance policy. It  is typically designed to cover end-of-life costs such as funeral expenses, burial or cremation, medical bills, and other related costs (tying up loose ends).

While it's marketed specifically for these purposes, there is no difference between a "small" Whole Life policy and Final Expense Insurance—they are essentially the same product.

EliLife.com provides these types of policies. While they are typically more expensive than term life insurance, they remain active as long as you continue to pay your premiums.

Question 10

What is Mortgage Protection Life Insurance?

Accepted Answer

Mortgage Protection Life Insurance (MPI) is essentially the same as a term life insurance policy, specifically tailored to cover your mortgage. People typically choose a term that matches or is close to the remaining time on their mortgage. If something happens to you during the term, the policy ensures that your beneficiary can continue making the mortgage payments, allowing them to keep the home without financial strain.

EliLife.com offers these policies, which are generally more affordable than Whole Life Insurance. However, the benefit is only paid out if something happens during the term of the policy. This type of insurance is particularly beneficial for parents who want to provide protection while their children are still young, ensuring they have adequate financial security until they are grown and on their own.

Question 11

Which companies do you work with?

Accepted Answer

Our policies are insured by established life insurance companies like Mutual of Omaha, Legal & General America, Ameritas Life Insurance Corp., and TruStage™. By combining our streamlined application process with their coverage, we've been able to shrink the application process down to just minutes, compared to the weeks traditional applications require. You get the dependability of major insurers and the convenience of a modern technology company.

At EliLife.com (EliLife.com)we don't charge a premium for working with us, we give you 5-star customer service at no extra charge.

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