Question 1

What does this actually cost?

Accepted Answer

It depends on age, health, coverage, and term length — for many healthy creators in their 20s–30s, meaningfully less than a streaming bundle. You'll see your exact price on Ethos in minutes, and checking it is free.

Question 2

My income is all over the place. Can I even get coverage?

Accepted Answer

Yes. 1099 and variable income are normal here. Use your average month — underwriters look at the big picture, not your slowest brand-deal drought.

Question 3

Do I need a medical exam?

Accepted Answer

Most people don't. Ethos uses instant underwriting — health questions instead of needles — and most qualified applicants get a same-day decision. Some situations do require more; you'll know quickly.

Question 4

Is this legit? I've never heard of you.

Accepted Answer

Fair. Covered Creator is a licensed Georgia agency (Wesley Peterson, GA license # pending). Policies come through Ethos and are issued by long-standing, A-rated insurance carriers — we're the creator-friendly front door, not the vault.

Question 5

Term, whole life, or IUL — which one do I want?

Accepted Answer

For most creators protecting a family on a budget, term is the common starting point — the most coverage per dollar for the years people depend on you. But it's not the only answer: whole life can fit permanent needs (like final-expense coverage for a parent — some versions skip health questions entirely), and indexed universal life pairs permanent coverage with cash value and flexible payments, which some high-earning creators without a 401(k) explore. The right fit depends on your situation — our guide breaks it down, and a free 15-minute chat with Wesley settles it.

Question 6

What happens to my channel or business if I die?

Accepted Answer

Your content can keep earning, but payouts, contracts, and taxes get messy fast. A policy gives your family cash immediately while the estate stuff untangles. We wrote a whole guide on this.

Question 7

How much coverage do I need?

Accepted Answer

A common rule of thumb is 10–15× your annual income plus debts — our estimator does the math in two minutes, no email required.

Question 8

How do you get paid?

Accepted Answer

Carriers pay us a commission when a policy is issued. You never pay us anything, and your price is the same as going direct.

Question 9

What if I want to cancel?

Accepted Answer

Term policies can be cancelled anytime, no penalty. You also get a free-look period after buying to change your mind for a full refund.

Question 10

I live outside Georgia — can I still buy?

Accepted Answer

We're licensed in Georgia at launch and adding states fast. Drop your email and we'll ping you the day your state opens.

You quit the job. The life insurance quit with you.

Your income is amazing. It's also fragile.

How it works

Answer a few questions

See your real price

Covered today

Made for people whose job title confuses their parents.

Questions creators actually ask

Ten minutes. Your phone. Done.