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To get the most out of life, make sure you have the right life insurance.
My only goal is to protect and help you set up your best life now and into the future. If you are not protecting your assets, let's talk.
A Better Future Starts with Better Life Insurance
No medical exams
Our 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests. What traditionally took weeks can now be done in minutes, giving you more time to focus on what matters – the reason you bought life insurance in the first place.
Affordable policies
You can tailor your policy to fit your budgets and your needs because we believe that life insurance isn’t a one-size-fits-all solution for your family. Get the policy that’s best for your family today.
Same-day coverage
Because of our expedited process, most customers enjoy same-day coverage. That means you can go from applying to protecting your family in a matter of minutes. That’s how easy life insurance with Ethos is.
Honest advice. No up-selling.
You don’t need to talk to an agent – unless you want to. Ours are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.
A NEW WAY TO GET BETTER
LIFE INSURANCE.
CONTACT BILL
For over a decade I have been working to help individuals, families and businesses with their financial planning, decision-making, and execution.
We spend our days helping you reach your long term goals and sustain growth with a holistic and pragmatic approach. I bring deep expertise and practical experience to the table.
Whatever change you’re hoping to make, or goal you’re trying to achieve, we’ll help you through it every step of the way. As an experienced financial advisor, I will give you all the tools, guidance, and support that you need to make strategic decisions and stay ahead of the curve.
Let's start by having a conversation today.
Testimonials
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John doe
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam.
John doe
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Frequently Asked Questions
Common Questions Answered for your convenience.
What is life insurance and how does it work?
Life insurance is a contract between you and an insurance company. You pay premiums, and in return, the insurer pays a lump sum (death benefit) to your beneficiaries if you pass away during the policy term. This money can help cover expenses like funeral costs, debts, or lost income.
What are the main types of life insurance?
Term Life Insurance: Covers you for a specific period (e.g., 10, 20, or 30 years). If you pass away during the term, your beneficiaries receive the payout.
Whole Life Insurance: A permanent policy that lasts your entire life and includes a cash value component that grows over time.
Universal Life Insurance: A flexible permanent policy that allows you to adjust your premiums and death benefits while also accumulating cash value.
How much life insurance do I need?
The amount depends on factors like your income, debts, family needs, and future expenses (e.g., mortgage, children’s education). A common rule of thumb is 10-15 times your annual income, but a financial advisor can help determine the right amount.
How much does life insurance cost?
The cost depends on factors like age, health, lifestyle, coverage amount, and policy type. Generally, younger and healthier individuals pay lower premiums. A term policy is more affordable than a permanent policy.
Do I need a medical exam to get life insurance?
Some policies require a medical exam to assess your health and determine your premium rate. However, no-exam policies (like simplified or guaranteed issue life insurance) are available but tend to be more expensive.
Can I change or cancel my life insurance policy?
Yes. If you have a term policy, you can cancel anytime, but you won’t get your money back. If you have a whole or universal life policy, you may be able to withdraw or borrow against the cash value or surrender the policy for a partial refund.