Life Insurance

Because a life worth living is a life worth insuring.

You can’t prevent the inevitable, but you can prepare for the eventuality. Peace of mind comes with knowing your family is protected.

Life Insurance

Because a life worth living is a life worth insuring.

You can’t prevent the inevitable, but you can prepare for the eventuality. Peace of mind comes with knowing your family is protected, that’s why we’ve partnered with Ethos Life. Learn more about the partnership below or get started with a free quote now.

Simplifying the process.

You live life to the fullest, so why dwell on what will become of your loved ones when you’re no longer in the picture. That’s where our partnership with Ethos comes in.

Ethos provides a faster, better, and easier life insurance experience for you and your loved ones. Their 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests. Because of their expedited process, most customers enjoy same-day coverage.

At Guided Solutions, we’re passionate about helping our customers make the right insurance decisions so that, no matter what life throws their way, they can stress less and live more knowing they’re well protected. 

Right policy for your needs.

Finding the right life insurance policy isn’t on the top of anyone’s to-do list. Luckily, Ethos does that for you.

Based on the eligibility information you provide, Ethos will find a life insurance plan that meets your needs.

All we need from you is a little info to get started.

Here's what you need to know about life insurance.

Life insurance provides peace of mind and support for beneficiaries upon the policy holder’s death. Those seeking information about acquiring it approach us with similar questions.

Why should I get life insurance coverage?

Life insurance provides financial protection for your family when you pass away. It replaces lost income to cover everyday expenses like utility bills and groceries, as well as funeral arrangements or anything else your beneficiaries need.

How much life insurance do I need?

You can estimate how much life insurance you might need by multiplying your annual income by a factor of ten. Or you can add up your ongoing expenses and then subtract your assets. While these practices will give you a general idea of how much life insurance is right for you, it’s always best to speak with an experienced insurance advisor to help you determine your true coverage needs.

How much does life insurance cost?

Like all other types of insurance, costs depend on multiple factors, like age, health status, coverage amount, term length, and the type of policy you choose.

Types of life insurance.

There are two main types of life insurance — term and whole life. Term life insurance provides coverage for a set amount of time, while whole life insurance provides protection for the rest of your life.

Term Life Insurance

Term life insurance is the most popular and affordable option for most people because it allows you to choose the length of your term and the amount of coverage paid out to your beneficiaries in the event of your death.

It provides coverage for a predetermined amount of time — typically 10, 15, 20, 25, or 30 years. And premium payments remain consistent for the duration of the policy.

If you pass away within the term of your policy, your beneficiaries can file a claim and receive money, called the death benefit, tax-free. However, no death benefit is paid if you pass away after your term ends.

Whole Life Insurance

Whole life insurance provides lifelong coverage and a guaranteed payout to your beneficiaries at the time of your death as long as your premiums are up to date and paid in full. It is more expensive than term life due to the duration of the coverage, but your premiums shouldn’t change much throughout the life of the policy. In addition, part of the premiums you pay build cash value and earn interest. In some cases, the insured can withdraw or borrow the cash value accumulated in their policy.

Ready to get your free life insurance consultation?

Protecting you for life.

Ready for more insight? Read our Life Insights blog.