What is the difference between term and permanent life insurance?

Term covers a set period and is usually more affordable. Permanent is designed to last your entire life and can build cash value, in exchange for a higher premium.

Is workplace life insurance enough?

Workplace coverage often ends when employment changes and may not match your family’s full need. A personally owned policy stays with you and lets you control the amount.

Life insurance built around the people who count on you

Life insurance isn’t really about you — it’s about the people who would feel the financial impact if you weren’t there. Understanding what it needs to accomplish is the first step toward the right coverage.

Get a life insurance quote

Start an online life insurance quote through Ethos in minutes, or request personal help from an Omega Multi Services insurance professional. Eligibility, pricing and coverage are determined by the provider and issuing carrier and are subject to underwriting.

Income replacement

If a paycheck disappears, life insurance can help replace that income so everyday life keeps moving.

Term vs. permanent

Term life covers a set period and is usually the most affordable way to buy a larger amount of protection. Permanent life is designed to last your entire life and can build cash value.

Final expenses and obligations

Funeral costs, a mortgage, shared debts and education plans can all be addressed so your family’s routines and opportunities are preserved.

Personally owned vs. employer-provided

Workplace coverage often ends when the job does. A personally owned policy stays with you wherever your career goes.