Life Insurance Made Simple Compare coverage options, understand what fits your needs, and get help when you want it — all without making life insurance more complicated than it needs to be.
Legacy combines an easy online life insurance experience with the option to get real help from a licensed agent. Explore coverage on your own, or let us help you understand your options and find a solution that fits your needs and budget.
A simple explanation of how life insurance works, what it can protect, and the different types of coverage available.
Learn how income, debt, family responsibilities, and future goals can help determine the right amount of coverage.
Understand the factors that affect pricing and what can influence the cost of your coverage.
The cost of life insurance depends on your individual situation. Factors such as your age, health, tobacco or nicotine use, coverage amount, policy type, and term length can all affect your premium.
In general, buying coverage while you are younger and healthier can help you qualify for lower rates.
Life insurance through your employer can be a valuable benefit, but it is often limited. Many employer-sponsored plans provide coverage equal to only about one or two times your annual salary, which may not be enough to replace income, pay off a mortgage, cover debts, or support your family for an extended period.
Employer coverage is also tied to your job, so if you leave your employer, retire, or lose that benefit, the coverage may end.
A common rule of thumb is to consider around 10 times your annual income as a starting point when estimating your overall life insurance need. That is why many people use an individual policy to supplement the coverage they receive through work.
There is no single amount that is right for everyone. A common starting point is to consider a multiple of your annual income, but a more complete approach looks at your income, mortgage, debts, children, future expenses, existing savings, and current life insurance.
The goal is to identify the financial gap your family could face if you were no longer there.
Yes. The Ethos application is non-binding, and policies include a 30-day free-look period. If you decide the policy isn’t right for you and cancel within that period, premiums paid are refunded according to the terms of the policy.
The free-look period gives you time to review your policy after it is issued and make sure the coverage is right for you.
Life insurance provides a death benefit to your beneficiaries if you die while the policy is in force.
The proceeds can help with expenses such as:
Your beneficiaries generally decide how the proceeds are used. Life insurance death benefits are also generally received free from federal income tax by beneficiaries.
Based on (4 person) applicant.
Based on silver family insurance plans.
Based on a 40-years-old applicant buying a silver family insurance plan.
Based on a 40-year-old with a Silver plan.
Based on (4 person) applicant.
Based on silver family insurance plans.
Based on a 40-years-old applicant buying a silver family insurance plan.
Based on a 40-year-old with a Silver plan.
Get instant news by subscribe to our daily newsletter.
