Life insurance, the human way.
We built Ethos to make it faster and easier to get term life insurance. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.
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Want to know more about Ethos life insurance?
Learn more about our quick and easy application process and how to pick the best policy for your family.
Learn more
Apply now
Our straightforward, online application can be completed in minutes.
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Life insurance protects their future.

When you buy life insurance, you’re protecting the people you care about most. If you have a mortgage or carry any debt, your policy can help shield your family from bearing the brunt of those costs. Your policy can also help cover your family’s living expenses, education costs, and protect their financial future. At Ethos, we’re focused on helping you do just that.

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The Ethos difference:
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Fast and easy process
We offer flexible policy options to fit your life, and our simple online application takes just a few minutes, not weeks. So you can get back to what’s important.
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People before profit
It’s our top priority to create a policy that’s tailored to your individual needs—always. Plus, our team of licensed agents is salaried, so you don’t have to worry about being upsold by a commissioned salesperson.
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Trusted by thousands
We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints. That’s why thousands of Americans choose Ethos.
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Industry-leading partners
We work with Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re to offer you the best life insurance plan.
Insure your life. In three simple steps.
Ethos makes it easy to apply for a plan that protects the people you care about most.
See your options
Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes.
Get your decision
Our underwriters will review your application and present your options. It’s that simple.
Our commitment to you

Ethos was built with one goal: protect millions of families by providing access to affordable, straightforward life insurance. From streamlining the application process to offering flexible policy options, everything we do is centered on helping you protect your family. So you can get back to what matters.

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Why thousands of Americans choose Ethos
Need help getting started?

Our customer support team is happy to answer any questions you may have. Call or text us at (415) 322-2037 or email

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