Protect What
You Built —
Without Overpaying.
Run a fast coverage gap audit, spot what you're missing, and get a clean plan for your home, auto, life, landlord, and business insurance. No exam. No pressure. No spam.
What do you need to protect?
Pick your coverage — we'll route you to the right option in seconds.
Find What's Missing
Before a Claim Does.
Most people discover coverage gaps at the worst possible moment — during a claim. Take 3 minutes now and find out where you're exposed.
For planning purposes only. Not an insurance quote or policy review. Actual coverage determined by carrier underwriting.
Every Type.
One Team.
Life insurance through Ethos. Home, auto, business, and landlord coverage through MIM Insurance Solutions. We coordinate both so your entire protection plan works together.
Affordable coverage for 10, 20, or 30 years. Protects income, mortgage, dependents, and major obligations. Pays a tax-free death benefit. Instant quotes through Ethos — no exam required.
Permanent coverage that doesn't expire — with cash value accumulation and flexible premiums. Built for long-term estate planning, legacy, and supplemental retirement strategies.
Designed specifically to cover your mortgage balance if you pass away or become disabled. Keeps your family in the home — eliminates the single biggest financial burden.
Simple, affordable coverage for funeral and end-of-life costs ($5K–$25K). No medical exam required. Guaranteed issue options available for seniors or those with health conditions.
If injury or illness stops you from working, disability insurance replaces a portion of your income — keeping bills paid while you recover. Most people don't have nearly enough.
A lump-sum cash benefit triggered by major diagnoses — cancer, heart attack, stroke, or organ failure. Use it for treatment costs, time off work, or whatever you need. No restrictions on use.
Dwelling, personal property, liability, and additional living expenses. We compare carriers to get you proper replacement cost coverage — not just the cheapest policy that leaves you underinsured.
Liability, collision, comprehensive, uninsured motorist, and medical payments. We run apples-to-apples comparisons at the same coverage levels — so the price difference is real, not a coverage shell game.
Personal property, liability, and temporary living coverage for renters. One of the most underused protections available — typically costs less than a Netflix subscription and protects everything you own.
$1M–$5M of excess liability on top of home and auto. Covers lawsuits that exceed base policy limits. If you have assets, teen drivers, rental properties, or a pool — umbrella isn't optional, it's mandatory.
Using a personal homeowners policy on a rental property is one of the most common and expensive insurance mistakes. Landlord policies are required — covering loss of rent, liability, and tenant damage properly.
Standard homeowners policies cap jewelry, electronics, firearms, and collectibles at $1K–$2K. If you own high-value items, a scheduled personal property rider closes that gap completely.
Covers bodily injury and property damage claims from clients, customers, or third parties. The foundation of any business insurance stack — required for most commercial leases and contracts.
Combines general liability + commercial property into one policy at a discounted rate. Best for small-to-mid businesses with a physical location, inventory, or equipment to protect.
Covers medical costs and lost wages for employees injured on the job. Required by law in MD, DC, and VA once you have employees. Non-compliance carries steep fines and personal liability.
Personal auto policies exclude business use. If you use your vehicle for work — deliveries, client visits, transporting equipment — commercial auto closes the coverage gap personal policies leave wide open.
Covers claims that your professional advice, service, or error caused a client financial harm. Essential for consultants, coaches, designers, agents, and any service-based professional.
Data breaches, ransomware, and client data exposure create legal liability even for small businesses. Cyber liability covers notification costs, legal defense, regulatory fines, and recovery expenses.
Know Your Numbers
Before You Buy.
Five tools to estimate life coverage needs, home rebuild cost, deductible tradeoffs, umbrella need, and premium savings from bundling.
| Deductible | Annual Premium | Premium Savings vs $500 | Break-Even (yrs) | 5-Yr Net Cost | Verdict |
|---|---|---|---|---|---|
| $500 | — | Baseline | — | — | — |
| $1,000 | — | — | — | — | — |
| $2,500 | — | — | — | — | — |
No Exam. No Blood Test.
Coverage in Minutes.
Ethos is the fastest, most transparent way to get term life insurance in America — and The Credle Group is an authorized agent. Apply online in 10 minutes. Most applicants get a decision instantly.
Apply in 10 minutes from your phone or laptop. No in-person appointment, no sales pressure, no waiting room.
Ethos uses data-based underwriting to approve most applicants without blood tests or physicals. Decisions in minutes — not weeks.
A healthy 30-year-old can get $500K in 20-year term coverage for roughly $20–$30/month. Rates are competitive and transparent — no hidden fees.
Pick the term that matches your biggest obligations — mortgage, children's dependence, income replacement, or business partnership.
Get Covered
Today. Seriously.
Most people put off life insurance because they think it's complicated. With Ethos, it's a 10-minute online application. No exam. No waiting. No pressure. Just coverage.
Rate estimates are illustrative. Actual rates based on age, health, and underwriting. Ethos products not available in all states.
Home · Auto · Landlord · Business
Property & Casualty coverage through MIM Insurance Solutions — our P&C partner for the DMV. We compare carriers, structure coverage correctly, and make sure you're not discovering gaps during a claim.
Coverage That
Actually Covers You.
Most insurance mistakes don't show up until a claim. We prevent them by comparing carriers at the same coverage levels, not just the cheapest number.
We compare carriers at identical coverage levels — so a $200 price difference is real savings, not hidden cuts in what's covered.
We review your existing policy for common gaps — wrong dwelling amount, no water backup, missing UM/UIM, incorrect landlord policy type — before a claim exposes them.
When you have a claim, we're in your corner — helping you understand the process, communicate with the carrier, and document everything correctly to protect your payout.
We time home insurance with mortgage closings, protect rental properties correctly from day one, and connect life coverage to your real estate assets automatically.
See Protection Through
a More Visual Lens.
This media layer helps visitors connect emotionally to protection, family security, home ownership, driving risk, and business exposure — while giving them helpful video paths to learn fast and convert.
Protect income before it's needed.
Great for reinforcing the Ethos no-exam angle and helping users emotionally connect to income protection, mortgage protection, and family stability.
One accident can outrun weak limits.
Perfect for pushing stronger liability limits, UM/UIM, umbrella coverage, teen-driver conversations, and proper auto structure.
Replacement cost matters.
Helps frame why dwelling coverage, valuables riders, water backup, and liability aren't details to ignore.
Rental property needs the right policy.
Strong visual support for landlord insurance, STR exposure, and why personal homeowners coverage is often wrong.
Business risk is real liability.
Good support for GL, BOP, workers comp, cyber, and professional liability positioning.
Related Videos
Worth Watching.
Helpful video paths for learning the basics fast, reducing hesitation, and moving visitors toward a quote or strategy call.
How much life insurance do you really need?
Great primer before someone runs the DIME calculator or starts an Ethos application.
Replacement cost vs actual cash value.
Useful for explaining one of the most expensive homeowner coverage mistakes.
Why extra liability matters more than people think.
Good support for homeowners, landlords, higher earners, and families with teen drivers.
Watch the broader homes, loans, and protection strategy.
Best bridge into your bigger ecosystem of real estate, lending, insurance, and wealth protection.
Protected Before
They Needed It.
"Got $750K in life insurance through Ethos in literally 12 minutes on my lunch break. No doctor. No blood test. I'd been putting it off for two years — embarrassing how easy it was."
"They found out I had a homeowners policy that would have only paid ACV — not replacement cost — on my roof. The gap was $28,000. Switched carriers before anything happened. That review saved me."
"I was using a regular homeowners policy on my rental — completely wrong policy type. One claim and I could have been denied. Carlos caught it, switched me to landlord coverage same week. Didn't cost more either."
Insurance Questions —
Straight Answers.
Protect Everything
You've Built.
Run your coverage gap audit, get an instant life quote, or book a 20-minute strategy call. No obligation. No pressure. Just clarity on where you're protected and where you're not.