Peace of Mind: Ensuring Special Needs Care with Ethos's 30-Year Term Life Insurance
California residents, especially those with special needs dependents, face unique challenges in planning for the future. The rising costs of specialized care can be overwhelming, leaving many families worried about their loved ones’ financial security. Fortunately, Ethos’s 30-year term life insurance can offer the crucial protection needed to ensure that your loved ones are cared for, no matter what.
Why Invest in Term Life Insurance?
Here’s what Ethos’s life insurance can help you cover:
- Monthly care expenses for special needs services.
- Education and therapy costs.
- Housing modifications to improve accessibility.
- Funeral expenses, which can be over $12,000.
Understanding the Costs
The cost of caring for individuals with special needs can vary significantly, depending on the level of support required. Consider these potential expenses:
| Care Type | Monthly Cost |
|---|---|
| In-home support | $1,500 - $7,000 |
| Specialized schools/therapies | $2,000 - $6,000 |
| Assistive technologies | $100 - $500 |
The DIME Formula: Plan Your Coverage
To ensure your insurance coverage meets your unique needs, use the DIME formula:
- Debt: Consider any outstanding debts (student loans, mortgages).
- Income: Multiply your annual salary by years of care needed.
- Mortgage: Include your home loan balance.
- Education: Factor in schooling costs for dependents.
Experts recommend at least 10 times your annual salary for adequate coverage. If you earn $75,000 a year, consider starting with at least $750,000 in coverage.
Why Choose Ethos?
Ethos offers:
- No medical exam, making it easier to get coverage.
- Instant online quotes and approvals.
- 30-day money-back guarantee to assess your comfort.
Act Now for Your Family's Future
Don’t wait to secure your family’s peace of mind. Ethos’s 30-year term life insurance provides a flexible, affordable solution for covering special needs care costs in California. With the right protections in place, you can stop worrying about financial uncertainties and start focusing on what truly matters—your loved ones.
