Protect More Than Your Life.
Help Protect Your Family's Future and Your Legacy.
Life insurance can help provide financial protection for the people you love.
With eligible life insurance policies available through Ethos, you may also receive access to powerful online estate-planning tools at no additional cost. Create important documents such as a Will, Trust, Power of Attorney, Healthcare Directive, and more — all from a convenient online platform.
Get started online and see which life insurance options you may qualify for.
Estate-planning benefits are available with eligible policies and may vary by product and state.
Family Protection
+ Estate Planning
Legacy Planning
Online & Simple
What Is the Ethos Estate Plan Suite?
The Ethos Estate Plan Suite helps make estate planning easier. Instead of leaving your family without instructions about your assets, children, finances, or healthcare decisions, estate-planning documents allow you to put important wishes in writing.
Eligible Ethos policyholders may receive access to online estate-planning tools at no additional cost.
Legal Will
A Will allows you to provide instructions about how you want your assets distributed after your death.
- •Name beneficiaries
- •Select an executor
- •Name guardians for minor children
- •Document your wishes
Living Trust
A Living Trust can help organize how certain assets are owned and distributed. When properly established and funded, a trust may also help certain assets avoid probate.
A trust generally needs to be properly funded or titled to work as intended.
Financial Power of Attorney
Allows you to designate someone you trust to handle certain financial matters for you if necessary.
Healthcare Directive
Allows you to document your healthcare wishes and identify who may make healthcare decisions for you if you are unable to make them yourself.
Medical Consent
Helps provide instructions and authorization regarding certain medical decisions and care.
How Does It Work?
A simple four-step process from application to estate planning access.
STEP 1
Explore Your Life Insurance Options
Click "Click Here to Begin" and complete the online application process.
STEP 2
Find the Coverage That Fits Your Needs
Ethos technology evaluates the application and available products based on eligibility. Coverage, premiums, approval, and product availability depend on the applicant's individual circumstances and underwriting.
STEP 3
Get Covered
If approved and the policy is accepted, complete the required policy steps to place the coverage in force.
STEP 4
Access Your Estate Planning Benefit
Eligible policyholders can access available Ethos estate-planning tools through their Ethos account at no additional cost.
Your Estate Planning Toolkit
Estate-planning benefit value: up to $898*
Value and available services are based on current Ethos materials and are subject to change. Eligibility varies by policy and state.
Available Ethos Life Insurance Options
Explore coverage options to find what may work for your family.
TERM LIFE INSURANCE
Affordable protection for a specific period of time.
Good for people looking to help protect:
- •Income
- •Mortgage obligations
- •Children and family
- •Household expenses
- •Financial responsibilities
Ethos currently offers various term lengths and coverage amounts subject to eligibility and underwriting.
ACCUMULATION INDEXED UNIVERSAL LIFE
Permanent protection with cash-value accumulation potential.
Issued by North American Company for Life and Health Insurance®
Good for people looking to help protect:
- •Permanent life insurance protection
- •Cash-value accumulation potential
- •Flexible long-term planning
- •Supplemental financial strategies
- •Legacy protection
Indexed universal life insurance is not a direct investment in the stock market. Policy performance, charges, caps, participation rates, loans, withdrawals, and other factors can affect cash value and death benefits.
ETHOS PROTECTION IUL
Permanent life insurance designed with protection in mind.
Issued by Ameritas
Good for people looking to help protect:
- •Permanent coverage
- •Death-benefit protection
- •Cash-value potential
- •Flexible financial planning
May be appropriate for individuals whose primary goal is long-term life insurance protection while also having access to potential cash-value features.
FINAL EXPENSE WHOLE LIFE
Simple permanent coverage for final expenses and other financial needs.
Good for people looking to help protect:
- •Funeral or burial expenses
- •Medical bills
- •Outstanding obligations
- •Other final expenses
Whole life coverage is designed to remain in force for life as long as required premiums are paid and policy terms are satisfied.
Life Insurance + Estate Planning
LIFE INSURANCE
🛡️ Financial protection
Helps provide money to beneficiaries if the insured passes away while covered.
Examples:
- Income replacement
- Mortgage
- Family expenses
- Education
- Debt
- Final expenses
- Legacy
ESTATE PLANNING
📜 Instructions for your legacy
Helps document how you would like certain personal, financial, and healthcare matters handled.
Examples:
- Who receives your assets
- Who manages your estate
- Who may care for minor children
- Who may handle financial matters
- Who may make healthcare decisions
Protect what you've built — and help provide clear instructions for the people you love.
Who Should Consider Estate Planning?
Parents
Help document who you would want caring for minor children.
Homeowners
Help create instructions regarding important assets and property.
Married Couples
Help establish plans for spouses and family.
Single Adults
Estate planning isn't only for married couples. Single adults can also decide who should receive assets or make decisions for them.
Business Owners
Business ownership can create additional estate-planning considerations.
Families Planning Their Legacy
Help make your wishes easier for loved ones to understand.
You Don't Have to Be Wealthy to Have an Estate.
Your "estate" may include things you already own or control, such as:
Home
Vehicle
Bank accounts
Investments
Business interests
Personal property
Life insurance
Other financial assets
Estate planning isn't only about wealth.
It's about helping provide clarity, instructions, protection, and organization for the people you care about.
Frequently Asked Questions
Start Protecting Your Family and Legacy Today.
You don't have to complete everything at once. Start by seeing what life insurance options may be available to you.
Then, if your policy qualifies, you can access available Ethos estate-planning tools at no additional cost.
CLICK HERE TO BEGINImportant Information
Life insurance products are subject to eligibility, underwriting, policy terms, exclusions, limitations, and availability by state. Coverage and approval are not guaranteed.
Estate-planning services are provided by Ethos Estate Planning, LLC, a wholly owned subsidiary of Ethos. Ethos Estate Planning, LLC is not a law firm and does not provide legal, tax, investment, accounting, or financial advice.
Complimentary estate-planning services are available only with certain eligible insurance products and are subject to applicable terms and state availability. The complimentary benefit is currently unavailable for policies issued in Alaska, Louisiana, South Dakota, and Washington. Availability is subject to change.
Estate-planning documents and services should not be the sole reason for purchasing life insurance. Individuals should consider their own financial circumstances, insurance needs, and objectives before purchasing coverage.
Trusts may require assets to be properly funded, titled, or transferred to achieve their intended purpose. Consult an attorney, tax professional, or other qualified professional regarding your individual circumstances.
Insurance product availability, features, carriers, rates, underwriting requirements, riders, and estate-planning benefits are subject to change.