Active Benefits

Life Insurance

At SDPEBA we believe that Life Insurance should be customized to fit… well, your life! That’s why we offer dozens of life insurance policies offered by an array of A-Rated companies.  We offer three options to get a plan:

Get A Quote Today With Our Self-Service Site: Ethos

Sign up through Ethos, an online service that allows you to generate a quote in minutes!  This service is the best way to find coverage specialized to your lifestyle quickly (average approval time is 2-5 days) and without the hassle of a physical exam!  These plans are not payroll deducted.

By clicking the button below, you’ll be taken to Ethos, our online Life Insurance platform.  Through it you can get a policy as soon as today.  Here is why you should sign up for life insurance through Ethos:

  • By Going through Ethos you can choose between Term and Whole Life Insurance
  • Ethos allows you to get a quote instantly for free after taking their questionnaire
  • Since you can decide how detailed you want to be with your health, this tool is great for the healthy and the not-so-healthy
  • Ethos offers a variety of plans with variable limits, scroll down to learn more

Click Here to get a Quote Today!

Ethos Coverage Options:

Ethos Whole Life Plans

Guaranteed Issue

  • No health questions
  • Age 45-80
  • $20,000 limit

Simplified Issue

  • 8 health questions
  • Age 18-70 $100,000 limit
  • Age 71-75 $50,000 limit
  • Age 76-86 $25,000 limit

Simplified Issue Final Expense (Whole Life)

  • 9 health questions
  • Age 18-85
  • $30,000 limit

Ethos Term Plans
  • Medical Questionnaire
  • Age 18-69
  • Terms between 10-30 years
  • Policies between $5,000-$2,000,000

Custom Plans, Built For Your Life

Through SDPEBA you’re able to sign up for a life insurance plan that is 100% designed for you by our life insurance specialists. After a conversation with us, we’ll work with 30+ A-Rated companies to find the plan that’s best for you. These plans are often the most cost-effective option, but usually require the most time (average approval time is 4-6 weeks) and often require a physical/medical review.  These plans are not payroll deducted.

Schedule a Meeting

  • No coverage limits
  • Age 18-80
  • Individually underwritten
  • Requires a full medical review/physical
  • Rates are lower for healthier individuals when compared to group plans
  • Dozens of options means you’re able to get the exact plan you want
  • Retirees are eligible
  • Term plans available
  • Permanent Plans are available with options for additional riders/cash value


Active employees can sign up for a Whole Life plan through Aflac by completing a paper application and answering a few medical questions. This plan isn’t customizable, but allows you take advantage of SDPEBA’s group rate and has the fastest approval time (usually the same day). This plan is payroll deducted.

Schedule a call with our Aflac Specialist

  • $300,000 limit with medical questionnaire
  • $100,000 guaranteed issue
  • Coverage for Spouse up to $100,000
  • Multiple options to cover your children
  • Available to all Active Employees
  • Fully portable
  • Check out the rate sheet HERE.