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Are you a DIYer (Do-It-Yourself-er) and want to use a self-driven, no frills, all-online platform to quickly apply for life insurance?
Or are you looking for a more thorough evaluation with a qualified and experienced professional to make an informed recommend on a solution suited to your needs? Still not sure? Keep scrolling for more details...
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Online Life Insurance
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Agent-Assisted
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Product Options (Ethos):
- Five insurance companies* - $1,000 to $2,000,000 (varies by product) - 10, 15, 20, and 30-year term options - Issue ages 18-85 (varies by product) - Competitive rates - No conversion privilege to extend or exchange your coverage Process (Ethos): - Paperless process - No medical exam. Ever. - Approvals within 10 minutes, many times instant! - Pay with a credit card or bank draft - No agent guidance Purpose of Coverage (Bestow): - Personal coverage only (owner must be the insured) - Not suited for business or estate planning purposes such as key-person, buy/sell, executive benefits, or trust-owned life insurance Other Information (Ethos): - Guaranteed issue limited to max of $20,000 - No policy replacements except for Ethos Term Life - Prime - Other limitations may apply - Not available for NY residents * Policies issued by Legal & General America (Banner Life Insurance Company), Ameritas Life Insurance Corp., Senior Life Insurance Co., CMFG Life Insurance Company, MEMBERS Life Insurance Company; underwritten by Ethos |
Product Options (Agent):
- Dozens of insurance companies to choose from - $100,000 to as much as you can qualify for - 10, 15-35, and 40-year term options - Issue ages 0-80 (varies by state and product) - Competitive rates - Convertible (details vary by carrier/product) - Certain health conditions may still be insurable Process (Agent): - e-App, e-Policy, or hard copy available (varies by carrier) - No exam/labs with accelerated underwriting - 3-10 business days or up to 4-6 weeks if fully underwritten - Pay by automatic bank draft or check - Licensed and experienced agent advice Purpose of Coverage (Agent): - Personal, business, estate planning, and other uses - Policy owner does not have to be the insured, can be a business entity, trust, partner, etc. Other Information (Agent): - Not guaranteed issue - No state restrictions on replacing existing life insurance - Other limitations may apply |
NOT A GUARANTEE OF COVERAGE, PRODUCT AVAILABILITY, OR UNDERWRITING ELIGIBILITY
Refer to NAIC-approved or compliance-approved consumer materials for details. Product availability varies by state.
Refer to NAIC-approved or compliance-approved consumer materials for details. Product availability varies by state.