How Ethos’s 20-Year Term Life Insurance Supports Your Kids Through College
As a parent, ensuring your children have a secure future is likely one of your top priorities. But have you considered how unexpected events can impact that future? A solid life insurance policy can be your safety net, particularly in California, where college expenses can be overwhelming.
Why Life Insurance is Essential for Parents
- Cover rising college tuition costs, which can exceed $40,000 a year.
- Provide a tax-free death benefit to preserve your children's quality of life.
- Help manage daily expenses, mortgage, and debts if something happens to you.
Understanding Ethos's 20-Year Term Life Insurance
Ethos offers a remarkable 20-year term life insurance policy tailored to help parents like you. Here’s how it can cover your kids through their college years:
| Feature | Description |
|---|---|
| Affordability | Premiums as low as $26/month for $500,000 coverage. |
| Fixed Rates | Lock in premiums for 20 years, ensuring predictable budgeting. |
| Instant Coverage | Application takes only 5-10 minutes online, no medical exam required. |
| Flexibility | Ability to renew or convert to whole life coverage as your needs change. |
How to Calculate Coverage Needs
Use the DIME formula to estimate how much coverage you might need:
- Debt: Total outstanding debts, potentially $50,000+
- Income: Consider $100,000/year for 10 years = $1M
- Mortgage: Remaining balance on your home loan
- Education: Future college costs for your kids
Don’t Wait—Secure Their Future Today
Purchasing Ethos’s 20-year term life insurance is an investment in your children's future. Having adequate life insurance means greater peace of mind knowing your kids can graduate without the burden of debt or financial stress.
Act Now!
Taking action today can safeguard your family’s financial future tomorrow. Get a quote in minutes, and make sure your kids have the support they need during their college years.
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