Life Insurance Options

Ethos provides a range of coverage options to meet different needs:

Term Life

Affordable protection for a set number of years — ideal for income replacement, mortgage protection, and young families.

Whole Life

Lifetime coverage with guaranteed premiums, often used for final expenses or leaving a legacy.

Final Expense

Designed to help cover funeral costs and end‑of‑life expenses, with simple approval.

Indexed Universal Life (IUL Insurance)

Indexed universal life insurance (IUL) is permanent life insurance that lasts your whole life and builds cash value. The policy earns interest based on a market index, giving you long‑term protection with potential growth.