The ease of getting life insurance
with Jaime Hernandez and Ethos
Our modern, 100% online experience makes
applying super fast and stress-free.
Backed by Giants
Ethos works with trusted life insurance companies like Legal & General America, Ameritas Life Insurance Corp., Tru️Stage™*, and Senior Life Insurance Company.Learn more about our carriers.
*Life insurance issued by CMFG Life Insurance Company and MEMBERS Life Insurance Company
Your top life insurance questions answered
How much life insurance is right for me?
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Frequently Asked Questions
Most people overestimate the cost of life insurance by 300% or more. The cost varies based on your unique situation. The biggest factors that can affect your premium include your coverage amount, term length, age, health status, and tobacco use. The sooner you buy, the sooner you’ll lock in your lowest premium—and save the most money in the long run.
» Learn more: Life Insurance 101 (PDF) | The cost of waiting (PDF)
Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of what most families need. And if you leave your job, that coverage usually ends. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.
» Learn more: Life Insurance 101 (PDF)
A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill.
» Learn more: Life Insurance 101 (PDF)
Term life insurance uses premiums to cover you for the determined “term” of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage.Whole life insurance lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.
» Learn more: Term Life Insurance (PDF) | Whole Life Insurance (PDF)
Your life insurance can help cover some of life’s biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it’s up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free.
» Learn more: Do I need life insurance? (PDF) | Life Insurance 101 (PDF)
Topic of The Week
What is life insurance?
Life insurance is a financial safety net designed to protect your loved ones in the event of your passing. It offers a payout, known as a death benefit, to beneficiaries like your spouse, children, or other dependents. This payment can cover funeral expenses, outstanding debts, and provide ongoing financial support, ensuring your family is secure during a difficult time.
There are different types of life insurance policies. Term life insurance offers coverage for a specific period, such as 10, 20, or 30 years. It’s an affordable option that provides a lump-sum payment if you pass away during the policy’s term. Whole life insurance, on the other hand, covers you for your entire life and includes a savings component that grows over time, allowing you to build cash value.
Choosing the right policy can be overwhelming. This is where Agent Hernandez comes in. With years of experience and a deep understanding of life insurance in Texas, California and New Mexico, Agent Hernandez works closely with clients to assess their individual needs and find a policy that fits both their budget and long-term goals. Whether you’re a young professional looking for affordable coverage, or someone planning for retirement and wanting to leave a legacy, Hernandez is dedicated to making sure you’re informed and confident in your decision.
Life insurance is about more than just securing finances—it’s about peace of mind, knowing that those you care about most are protected. Let Agent Hernandez guide you through the process, ensuring that your future and your family’s future are in good hands. Reach out today for personalized advice and start building your protection plan.
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