Disclosure: This review was produced in partnership with Ethos. Money Talks News may be compensated when readers take action through links in this article. Our editorial assessments are our own.

Somewhere between your first mortgage payment and your kid’s first daycare drop-off, life insurance quietly shifts from “something to think about someday” to “okay, I really need to handle this.” The catch is that handling it has traditionally meant paper applications, phone tag with an agent, and — the real dealbreaker — scheduling a medical exam where someone comes to your house to draw blood before dawn.

For anyone juggling a career, a young family…

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