Life Insurance
Your family should not have to figure it out while grieving.
Life insurance is not about death. It is about making sure the people who depend on you are not left with nothing when you are gone.
Most people who do not have life insurance tell themselves they will get it eventually. Then a year passes. Then five. Then something happens.
Maarnet is a licensed life insurance agent (License #4318306) affiliated with Ethos Life. She offers term life, whole life, and indexed universal life policies from the country's top carriers. She matches the right product to your income, your dependents, and how long you actually need coverage.
Some of these policies also include living benefits. That means if you are diagnosed with a serious illness, you can access a portion of your death benefit while you are still alive. Most people do not know that option exists.
Term life insurance
Coverage for a set period — 10, 20, or 30 years. Lower monthly cost, high payout. Right for most working families.
Whole life insurance
Permanent coverage that builds cash value over time. You pay in, it grows, and your family is covered for life.
Indexed universal life (IUL)
Flexible coverage tied to a market index. Growth potential with a floor so you cannot lose the principal.
Living benefits
Access your death benefit if you are diagnosed with a terminal, chronic, or critical illness. Available on select policies.
Policy review
Already have coverage? We will review your current policy to see if you are over-paying or under-covered.
You probably need more coverage than you think.
Come in and we will run the numbers. Free consultation, no pressure.