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We’ve got you covered. Get answers to all of your life insurance questions.

Questions about life insurance

You make payments to a life insurance company, and they give your loved ones a payout if you pass away.
If you’re married, have children or dependents, own a home, or own a business—you probably do.
There are a few milestones in life that typically mean it’s time for life insurance. Plus, obtaining a new policy gets m…
Everyone’s needs are different. When purchasing coverage evaluate what you’re buying for to determine how much you need.
A rider is a document that becomes a part of a life insurance policy, which can provide additional coverage or benefits.
The person(s) who receives the policy proceeds if you pass away while your policy is in force.
Yes. You are able to choose multiple beneficiaries.
This policy option is best for people over the age of 65 years old.
No medical exams, level premiums, policy builds cash value, and guaranteed approval.
Permanent life insurance lasts for your whole life and typically has a cash value component.
An easy and more affordable way to get life insurance coverage for a set period of time, or “term.”
It depends on your situation. You’ll need to understand your coverage needs to decide which type of policy is right.
There’s a good chance it’s not enough. Additionally, the coverage typically won’t last if you leave the company.
It can depend on several factors, including your children’s age, your proximity to retirement, and your mortgage.
How life insurance companies determine whether they’re able to insure you, and how much it will cost.
The lump-sum payment your beneficiary receives if you pass away. Generally, it’s not taxed.
Accidental death insurance only provides coverage in the event of a covered accident.
There are a lot of reasons people go with Guaranteed issue whole life policies.
What life insurance covers can be answered in two ways: the expenses it covers, and the types of death it covers.

Questions about Aspire Financial Groups

Yes. The policies we sell cover coronavirus.
US citizens and permanent residents from ages 20-85 may apply in every US state, except New York
Sequoia, Accel, GV, Goldman Sachs, Jay-Z, and Will Smith—to name a few.
We offer a wide range of coverage options. Coverage amounts vary by policyholder eligibility, policy type and carrier.
Depending on the product, Aspire Financial Groups may not be able to offer you coverage if you intend to replace existing coverage.
 
In short, yes. Aspire Financial Groups  is designed so that you can apply for life insurance the way you want.
Ultimately, it is up to the beneficiary to decide how to use the death benefit.
Aspire Financial Groups makes it easy for families to get affordable life insurance coverage to protect their loved ones.
The policies we offer are insured by some of the world’s best life insurance companies.
Currently, Aspire Financial Groups offers term and guaranteed issue whole life insurance policies.
Yes, some Aspire Financial Groups policies include riders.
It’s possible to be denied coverage, but your history of health problems shouldn’t stop you from applying.
We love referrals! Share Aspire financial Groups  with friends and family.
Yes. Each policy has a 30-day money-back guarantee. After that, you can cancel anytime with no extra fees.

Questions about the Application

You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.
You may start an application and withdraw from the application process at any time without penalty.
Send us an email at [email protected] anytime.
Yes—send us an email at [email protected] 
Your spouse or adult child (between ages 20-65) will just need to apply through our standard application process.
So we can protect any private information you share.
Your final price might look different than your initial estimate because it considers far more information.
Once approved, an agent will help you with any next steps if your new age could impact your premium amount.
Underwriters review your application and approve, request more information, or deny your application.
Yes, you can adjust your coverage amount and term length after you apply.
Sometimes underwriters may have a few additional questions or need a little clarification.
No, it should not affect your credit score.
The information required is used to determine your cost, expedite the application, and to protect your identity.
Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.
After your application qualifies for or is approved for coverage and you pay your first premium, you’re covered.

Questions about my policy

Your details can be accessed after your policy is activated through your Aspire Financial Groups  portal online at app. Aspire Financial Groups .com/login.
Send us an email to [email protected], and we’ll help you update your beneficiaries.
If you miss a payment, you’ll have a 31-day grace period. After that, your policy will lapse.
Yes, if you cancel during the first 30 days of your policy being activated.
This can vary for many reasons as the claim is reviewed. You can help by keeping updated records for your beneficiary to…
You can send any changes to your contact information to [email protected]
Nope! All term policies we offer have level premiums, meaning your price will never change during your term.
Login to your account at ethoslife.com/login to pay and manage your billing information.
You can cancel your policy by calling or emailing us, and requesting a surrender form for you to sign electronically.
When your term ends, you can renew your policy until you reach the age of 95 without applying again.
The beneficiary must contact the insurance company to file a claim to receive the payout of their death benefit.
To access your policy, please log in to your TruStage™ account or contact TruStage™ Customer Care.
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