Guaranteed Approval, Guaranteed Peace: No more worries about being denied coverage. With AssureAnchor, your approval is guaranteed, ensuring you and your family are always protected.
Whole life insurance is a lifelong embrace, offering unwavering support and a guaranteed legacy for those you cherish most. It's your lasting gift of love and security. Whole life insurance could be your ideal choice if:
You seek coverage that spans your entire life, providing your family with enduring financial stability.
You appreciate a policy that accumulates cash value, offering financial flexibility and growth over time.
You aim to invest in a policy that delivers lasting benefits, ensuring a secure and prosperous future for you and your loved ones.
Why It’s Cherished:
Spend 10 minutes now for a lifetime of comfort and security.
At AssureAnchor, we understand that choosing whole life insurance is a big decision. That’s why our friendly, licensed agents are always here to support you. With just a quick call, you’ll get the answers you need and the reassurance you deserve.
You're guaranteed to be approved if you're between the ages of 66 and 85, no matter your medical history.
Coverage starts the moment you make your first payment.
Coverage lasts your lifetime if you keep up with the premiums. When you turn 100, the coverage remains in full without the need to make payments.
Ethos knows whole life insurance is a significant decision, so we make it easy to get answers. Our licensed agents are a quick call away whenever you have a question.
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. Learn more about how it works.
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. Learn more about our policies here.
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.
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.
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. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.
You don't have to talk to an agent if you don't want to, but if you do, our licensed agents remain ready and eager to answer your questions. They're here to help you find the right life insurance policy for you.
Get anywhere from $20,000 to $2 million in term life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.
Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, and you don't even need a medical exam (just answer a few health questions).
Take your policy for a trial run with a 30-day money-back guarantee. If you're not fully satisfied in the first 30 days, we'll refund you in full. After that time, you can cancel your policy with no cancellation fees.
It's typically simple for your beneficiaries to file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier (as identified on your policy documents), and the carrier will issue the death benefit payout. Barring unusual complications, your beneficiary will receive an untaxed, lump-sum payment for the value of the policy's death benefit. For example, if you purchase $1 million in coverage, your beneficiary will receive a tax-free $1 million lump-sum payout.
A claim may not be paid if underwriting finds that parts of the application were answered untruthfully or if the claim is the result of death by suicide within the first two years of the policy being in force.
Term life insurance, commonly lasting from 10 to 30 years, ensures beneficiaries receive a death benefit if the policyholder passes away while coverage is in force. Term life insurance premiums are often more affordable than permanent life insurance policies because permanent life insurance policies are active for the policyowner’s lifetime as long as premiums are paid. Additionally, it's important to note that term life insurance does not accumulate cash value over time.
Term life insurance doesn't offer a cash value component, so policyholders can't cash out the policy. It's designed purely for death benefit coverage during the specified term, helping to provide financial protection for beneficiaries if the insured passes away within that period.
Generally, life insurance death benefits aren't subject to income tax. However, if you cash out a life insurance policy, any gains may be subject to taxation. Understanding the tax implications is crucial. Know more about the taxation of life insurance here.
Navigating the process of choosing life insurance can seem scary at first, but with a little guidance, you can find the perfect policy for your needs and goals. Here are the top 7 mistakes that could prevent you from getting the best life insurance.
While some traditional life insurance policies are known to require a lengthy application process and medical underwriting, instant life insurance has emerged as a convenient and efficient alternative.
That’s why we took the time to deconstruct a life insurance policy document to help identify the key sections you’ll need to read through before you move forward.
For people ages 40 and over, the average rate increase is 10% every 6 months. For all people regardless of age, the average rate increase is 6% every 6 months. Once you purchase, your rate is the same your whole term.
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