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Insurance is a legal agreement between you and an insurance company. You pay them regularly, and if you get sick or pass away (or the insured person does), they give you money. This money you get isn't taxed and can be used however you want, without anyone keeping track of it.

Life insurance provides financial support to your loved ones in case you pass away. It helps cover final expenses like funeral costs, pays off debts or mortgages, and replaces lost income to support your family or business after you're gone.

Disability insurance is purchased to safeguard your income if you become disabled, sick, or unable to work. It ensures you have money to cover your regular expenses, such as bills and daily needs, if you can no longer earn an income due to a disability or illness.

Both types of insurance offer a safety net, providing peace of mind by offering financial support during challenging times, whether due to death or disability.

An easy way to calculate life insurance is 10x your income. However, to personalize the amount, you want to add all your lifetime financial obligations and wishes for a total amount. Consider your family, business, or other beneficiaries to whom you would want to leave money.

At a minimum for disability insurance, you want enough to cover your monthly expenses and, ideally, consider cost of inflation over the course of your life.

Insurance from your job is a good starting point, but it has limitations. It's affordable and pays out if you get hurt or pass away while working there. But once you leave the job, that coverage stops. The amount provided by employers is often not enough for full financial security. That's why people get private insurance—to add more coverage or have it for life, no matter where they work.

Term Life Insurance: For U.S. citizens and permanent residents aged 20-65.

Juvenile Permanent Life Insurance: For ages 0-17.

Permanent Life Insurance: For ages 18-80, with some carriers extending coverage to older ages.

Disability Insurance: Available for ages 18-60.

Ineligibility: Not eligible if currently terminally ill or incarcerated.

With every new policy, you get a 30-day window for a full refund if you change your mind. After that, you still have the right to cancel your policy for any reason. This is a legal right for all policyholders across the country, regardless of the insurance company. While some companies may charge cancellation fees, Ethos and Breeze policies don't have any fees. Cancelling is straightforward—just contact your agent via call, text, email, or submit a cancellation form.

Yes!

Each policy through Sells Life Insurance comes with a personal agent for your lifetime. You may contact your agent via phone, text, or email at any time for any reason, with no costs.

Each insurance carrier also has its own separate support lines.