Term Life Insurance

Provides coverage for a specified term, such as 10, 20, or 30 years. If you pass away within the term, your beneficiaries receive a death benefit

Indexed Universal Life Insurance (IUL)

This policy offers permanent life insurance with flexible premium payments and a death benefit, alongside a tax deferred cash

Final Expense Insurance

Essentially a whole life policy, the death benefit is designed to cover funeral costs, medical bills, and other end-of-life expenses

Whole Life Insurance

These policies offer permanent coverage with fixed premiums, a guaranteed death benefit, and a cash value component that grows over time.

How It Works

1
Step

Tell Us What You Need

Complete our quick questionnaire so we understand your goals

2
Step

Get Personalized Options

We’ll compare multiple carriers and design a plan that fits your life

3

Step

Apply for Free

There’s no cost or obligation to enjoy a simple, stress‑free process from start to finish

Why Choose Eterna?

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Family First

We put your family’s protection at the center of everything we do. Our agents listen to your story and deliver the solution that makes sense for you.

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Coverage Nationwide

Whether you’re in a big city or a small town, Eterna offers flexible options and agents nationwide so you never feel limited.

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Simple & Transparent

Life insurance doesn’t have to be complicated. We streamline the process and speak your language.

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Trusted & Ethical

With a 4.9/5 average rating and access to 30+ A‑rated carriers, we deliver ethical service you can trust.

How Does an IUL Policy Work?

An Indexed Universal Life (IUL) policy combines a death benefit with a cash value account, similar to traditional universal life insurance. However, the cash value of an IUL grows based on the performance of a stock index, such as the S&P 500, rather than earning a fixed interest rate. Like universal life policies, IULs offer flexibility, allowing you to adjust your premium as your cash value grows. Over time, your cash value could potentially cover your premiums, resulting in a zero-cost policy

Who is Indexed Universal Life
Insurance best suited for?

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Flexible Coverage Seekers

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Individuals Planners

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Families Needing Comprehensive

Protection

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Tax advantages

Faster and

easier than ever!

Requesting a free, no-obligation life insurance quote through GO-eterna is faster and easier than ever! Our patented process offers you the chance to get a high face amount of coverage FAST and our rates are among the best in the industry.

Through GO-eterna, you can get quality life coverage for less. Save up to 70% on your policy compared to the same coverage through other carriers. You can get a personalized, free quote in just a few minutes. It's that easy to start helping protect your family's financial future!

Low fixed monthly rates

Note: Premiums are not guaranteed and will vary based on coverage need, geographic location, health, and other factors.

If you are not completely satisfied with your term life insurance policy, you may cancel at any time within the 30-day money back period and receive a full refund.

Quotes are provided for informational purposes and do not constitute an offer of insurance. Fidelity Life Association is licensed in all states and the District of Columbia, except NY and WY. A two-year suicide exclusion and contestability period may apply (one year in some states). All applications are subject to underwriting approval. NAIC number is 63290.

Like most insurance policies, Fidelity Life's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, contact your Fidelity Life Representative.

Invitations for application for life insurance on Quotes.FidelityLife.com are made through designated agent, Michael Bowcock, only where licensed and appointed. License numbers are available upon request and are automatically provided where required by law. Michael Bowcock is a licensed life insurance agent in all 50 states, including the District of Columbia, and his resident state of Illinois. Michael Bowcock’s Illinois license number is 11736943; in California, 0G99555; in Louisiana, 589562; in Minnesota, 40333060; in Utah, 445133; in Massachusetts, 1884080; and in Texas, 1617308. Efinancial, LLC’s California license number (d/b/a Efinancial Term Insurance Services) is 0F37537; in Louisiana, 323680 and in Utah, 104501. Rates and time taken to purchase a policy vary by product.