Plan for the unexpected today
As life changes, so do your insurance needs. The intention remains the same—protect the financial future of the ones you love. But sometimes life gets in the way, and you forget to stop and plan for the unexpected.
Whether you recently experienced a life event or just want to make sure you have appropriate coverage, our insurance strategists are here to provide unparalleled service and a full suite of life insurance and related solutions.
Term life insurance
Term insurance is designed to provide low-cost life insurance for a specific period, usually 10 to 30 years. At the end of the coverage, the policy may generally be renewed with a premium increase or converted to a permanent insurance plan. Simplified Issue term is a convenient way to process an online term application that does not require a medical exam or lab tests and can provide instant coverage.
Permanent life insurance
While term insurance is designed for temporary insurance needs, permanent life insurance can provide a lifetime of coverage (if the required premium payments are made timely). And, although the cost may be higher than term insurance, permanent insurance has the potential for tax-advantaged cash value growth.
To determine the right coverage for you and your family, contact us at 800-474-1471 to speak with an agent or get a no-obligation quote below with one of our online products.
Term life insurance
Term insurance is well suited for individuals or businesses who need coverage for a temporary period or who need a large amount of insurance at a low cost.
In the event of a tragedy, it can help:
- Maintain your family’s lifestyle (income replacement)
- Keep your family in their home (mortgage payoff)
- Remove debt burdens (credit card/personal loan payoff)
- Finance a child’s education
- Pay for funeral expenses
- Protect your spouse’s retirement plans
Simplified issue term
Through Ethos Life, Truist Life Insurance Services can offer instant access to term coverage with an easy online application process, providing affordable coverage up to $2,000,000—without medical exams.
How it works
After answering a few health-related, questions you'll get a quick (often instant) decision on your coverage eligibility and rate. If you like what you see, you can complete the application in about 10 minutes and activate your coverage immediately.
Scroll below to learn more about Ethos life and get started today.
More about Ethos Life
- Most people are approved instantly, even with health conditions.
- The application is 100% online. That means no medical exams, blood draws, or intrusive home visits, just a few health questions.¹
- Ethos only works with trusted, top-rated insurance companies.
- Coverage amounts are available up to $2,000,000, depending on risk class.
- Choose from level term options of 10, 15, 20, or 30 years, depending on issue age.
- Issue ages are between 20-65.
- Final expense policies are available up to $25,000 with issues ages of 18-85.
A general industry rule of thumb says a family should have coverage equal to 10x their combined annual salaries.
Scroll below to learn more permanent life insurance.
Permanent life insurance
There are many financial benefits within a well-designed permanent life insurance policy that go beyond the death benefit protection it provides. It can be a smart addition to your financial plan.
Whole life insurance
The oldest form of permanent insurance, Whole life features guaranteed premiums, guaranteed cash values and guaranteed death benefits.¹ It requires funding based on conservative guaranteed premium levels to maintain coverage for life. This may be ideal for people who want a fixed premium that won’t change over time, or those who want a guaranteed cash value that increases every year.
Universal life insurance
Universal life insurance may be for people seeking premium flexibility, including the ability to fund for less than lifetime coverage. It allows policyowners to set their own premiums based on current assumptions, guaranteed¹ assumptions, or anywhere in between. If premiums are not sufficient, the account value ultimately goes to zero and the Universal Life policy may lapse.
44% of American families will experience financial hardship within six months after the death of the primary income earner in a household.²
For more information on what policy is right for you
Contact your Truist advisor or Truist Life Insurance Services directly at 800.927.2475
Disclosures
¹All guarantees subject to the claims paying ability of the issuing insurer
²2022 Insurance Barometer Study, Life Happens and LIMRA.
By clicking the "Get started today" button, a new browser window will open and take you to www.ethoslife.com/life/ethos-truist. This link to Ethos Life is provided for your convenience. Ethos Life is wholly responsible for the content and services offered on its website.
Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.
Insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc. Insurance products are not a deposit, not FDIC insured, not guaranteed by the bank, not insured by any federal government agency, and may go down in value. For use with non registered products only.
Back to top | Fully Underwritten Term | Simplified Issue Term | Home