Apply Online
Not every objective needs a consultation. If you know the coverage you're after, you can complete your own application through Ethos — a partner platform I'm contracted with — and get a decision without a phone call.
The partnership
I'm a contracted partner with Ethos. When you apply through the link on this page, the application is tied to my practice — so the coverage you buy on your own is still something I can help you review, service, and revisit later as your objectives change.
There's no additional cost for applying through a partner link, and no obligation to speak with me before or after. If a question comes up mid-application, reach out and I'll answer it.
Scan to apply
Point your phone camera at the code, or use the link below.
agents.ethoslife.com/invite/90650What you can apply for
Availability, pricing, and eligibility vary by age, health, state, and carrier. The summaries below are educational and are not a recommendation.
Income replacement during working years
Level coverage for a set number of years — commonly 10, 15, 20, or 30. Often used to cover a mortgage, replace household income while children are dependent, or backstop a business loan. Straightforward, and typically the lowest premium per dollar of death benefit.
Permanent protection with guaranteed elements
Coverage designed to remain in force for life, with a guaranteed death benefit and contractual cash value growth. Frequently used for legacy intent, final expenses, and long-horizon planning where certainty matters more than flexibility.
Speed and convenience
Underwriting decisions based on application answers and third-party data rather than a paramedical exam. Many applicants receive a decision in minutes. Coverage amounts and eligibility vary, and pricing may differ from fully underwritten offers.
How simple it is
Use the button or scan the QR code with your phone camera.
Health, lifestyle, and coverage questions — most people finish in about ten minutes.
Eligible coverage amounts, terms, and pricing are presented for you to compare.
Approved applicants may activate coverage the same day. Nothing is binding until the policy is issued and the first premium is paid.
Applying online is self-directed. Coverage is subject to underwriting, carrier approval, and policy terms, and no coverage exists until a policy is issued and the first premium is paid. Ethos is an independent platform; JASKOLA is a contracted partner and does not control its underwriting decisions, pricing, or product availability. Nothing here is tax or legal advice. Full disclosures.
Estate Planning Documents
Life insurance is only one part of a complete plan. Through the same Ethos partner relationship, you can also purchase a will or trust package to coordinate beneficiaries, guardianship, and asset distribution. These are legal documents prepared by third-party document services; JASKOLA is the referring partner and does not draft or review legal instruments.
Direct your assets and guardianship
A legally binding document that names guardians for minor children, directs how property should be distributed, and appoints an executor to carry out your wishes. A practical first step for clients who want clarity without a trust structure.
Start a WillStructure control and protection
A revocable living trust that can help manage assets during life, avoid probate for funded assets, and provide structured distribution guidance for beneficiaries. Useful when privacy, continuity, and coordinated control matter more than a simple will alone.
Start a TrustWill and trust products are provided by third-party document services affiliated with Ethos. JASKOLA receives a referral benefit for purchases completed through these links. For complex estates, business interests, or family dynamics, consult a qualified estate attorney before finalizing documents. Nothing here is legal advice.
Start the application on your own, or reach out if you'd like a second set of eyes on the structure before you commit.
