Life Insurance
Term life insurance, with a simple online application
Term life insurance pays a death benefit to your beneficiaries if you pass away during the policy term, typically 10, 15, 20 or 30 years. It is often the most affordable way to protect a family, a mortgage or a business.
Life insurance applications are completed online through Ethos. Coverage is subject to eligibility and underwriting and is issued by the insurance company, not by our agency. Selecting "Check Life Insurance Rates" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.
Jacob (Jake) Livingood · CA License #4135028
We offer term life through Ethos, an online platform where many people can apply in minutes. Depending on your age, health and coverage amount, you may not need a medical exam.
What term life insurance can cover
Income replacement
Helps your family keep up with living expenses if your income stops.
Mortgage & debts
Can help pay off a home loan and other debts.
Education
Helps fund future college costs for children.
Business needs
Can help fund buy-sell agreements or protect against losing a key person.
Things to consider
- Choose a term that lasts until your biggest obligations end.
- Apply while you are young and healthy. Rates are based on age and health at application.
- Answer health questions accurately; misstatements can affect claims.
This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.
Frequently asked questions
Do I need a medical exam?
Many applicants through Ethos are not required to take an exam, but some are. It depends on underwriting.
How much coverage do I need?
A common starting point is enough to replace several years of income plus debts and future goals. We are happy to talk through it.