New Whole Life Insurance $100,000 Lifetime Benefit By Ethos For North Carolina Residents

New Whole Life Insurance $100,000 Lifetime Benefit By Ethos For North Carolina Residents



New Whole Life Insurance $100,000 Lifetime Benefit By Ethos For North Carolina Residents

Hey, do you need life insurance coverage?

Whole life insurance is a type of permanent life insurance that offers lifelong coverage and level premiums, which means you’ll pay the same amount each month. Along with offering life insurance coverage, these policies become a cash asset over time. When you pay your premium, a portion is allocated to your policy’s cash value, which grows at a fixed rate set by your insurer — typically 1% to 3.5% 1. This sets whole life insurance apart from other permanent policies, which don’t guarantee returns. Once you’ve accumulated enough cash value, you can start taking out loans against your policy. And when you die, your beneficiaries will typically receive a payout that isn’t subject to income tax.

However, whole life insurance is more expensive than term life insurance, which usually lasts for a specific period of time and doesn’t offer cash value growth. For a healthy applicant buying a $100,000 policy at 20 years old, the annual cost of whole life insurance is $780, compared with $120 for a 20-year term life policy.

Whole life insurance can be a good fit if you need lifelong coverage and want a guaranteed return on the policy’s cash value.

Please note that whole life insurance is not suitable for everyone, and it’s important to evaluate your individual needs and circumstances before making a decision.

Too many families go without life insurance. More than 7% of kids in the U.S. lose a parent or sibling by age 18. If that parent was a breadwinner, 44% of those families experience financial hardship within 6 months. Life insurance is an important way many families can stay financially viable after the loss of a breadwinner.

Many want life insurance, but don’t know how to get it. 80 million U.S. households are uninsured, facing an average coverage gap of $200,000. We can help reduce this gap with the partnerships we established with insurance carriers. About 95% of our applicants up to age 85 are approved when they apply with for life insurance through Edmonds Insurance Group.

If this is of interest to you, don’t delay buy coverage today through Ethos starting at $65 per month.


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