Coverage Options
Find the Right Coverage for Your Life.
Every family and situation is different. We offer a full suite of life insurance solutions designed to protect what matters most — at every stage of life.
Coverage Types
Coverage Built Around You
From affordable term policies to lifetime protection with cash value, we'll help you find exactly what your family needs.
Book a free 30-minute consultation with a licensed Eterna agent — no pressure, no obligation.
Term Life Insurance
Most PopularAffordable coverage for a set period of time — 10, 20, or 30 years. The simplest way to protect your family during your most important years.
- Lowest monthly premiums
- Fixed coverage for 10–30 years
- Great for young families
- Simple to understand
Whole Life Insurance
Lifetime CoveragePermanent protection that lasts your entire life. Builds guaranteed cash value over time that you can borrow against.
- Coverage for life — never expires
- Builds guaranteed cash value
- Fixed premiums that never increase
- Tax-advantaged growth
IUL — Indexed Universal Life
Growth-FocusedFlexible permanent coverage with cash value tied to a market index. Offers growth potential with downside protection.
- Growth linked to market index
- Floor protects against market loss
- Flexible premium payments
- Tax-free retirement income potential
Final Expense Insurance
Simplified CoverageAffordable whole life coverage designed to cover end-of-life costs so your family isn't left with the burden.
- No medical exam required
- Guaranteed acceptance options
- Covers funeral & burial costs
- Ideal for ages 50–85
Retirement Planning
Retirement IncomeA reliable stream of retirement income you can't outlive. Converts your savings into guaranteed payments through annuities and retirement-focused strategies.
- Guaranteed income for life
- Fixed and indexed options
- Tax-deferred growth
- Protects against outliving savings
Compare Coverage at a Glance
Not sure which is right for you? Here's a quick side-by-side breakdown.
| Coverage Type | Lifetime Coverage | Builds Cash Value | Lowest Cost | No Medical Exam | Retirement Income |
|---|---|---|---|---|---|
| Term Life | — | — | ✓ | — | — |
| Whole Life | ✓ | ✓ | — | — | — |
| IUL | ✓ | ✓ | — | — | ✓ |
| Final Expense | ✓ | ✓ | — | ✓ | — |
| Retirement Planning | ✓ | ✓ | — | — | ✓ |
How It Works
Getting Covered is Simple
We've made the process as easy as possible — no confusing jargon, no pressure.
Tell Us About You
Answer a few quick questions about your age, health, and coverage goals.
We Find Your Options
We shop top carriers to find the best rates and coverage for your situation.
Review & Choose
A licensed agent walks you through your options with zero pressure.
Get Covered
Apply and get approved — sometimes the same day. Your family is protected.
Ready to Protect What Matters Most?
Get a free, no-obligation quote in minutes. A real person will help you every step of the way.