HA
Haven Life
Simple Term 20
Coverage
$500,000 · 20-year term
$28
est. per month
- No medical exam for most applicants
- Rate locked for the full term
Cash back for sharing your experience
All insurance
Life & Health Coverage, Explained Plainly
Term life, whole life, health, dental and vision — compared on real monthly cost. We read the exclusions out loud before anything is signed, and we review your rate every year after.
Showing 2 of 8 plans
ET
Ethos
Flexible Term Life
Coverage
$750,000 · 10–30 year terms
$32
est. per month
- Same-day approval decisions
- Coverage adjustable as your family grows
Cash back for sharing your experience
What most people get wrong
Term vs. whole life
Term covers a fixed window at the lowest premium. Whole life costs more but never expires and builds cash value. Most families need term first.
Deductible vs. premium
A low monthly premium usually hides a high deductible. We model your realistic yearly cost, not just the sticker price.
How much cover you need
A common starting point is 10x your annual income, plus the mortgage balance, minus savings. We do this math with you on the call.
Not sure which cover fits your family?
Talk it through: 1-855-ZORPATH