An instant life insurance product for everyone

All your clients. One seamless experience.

Ethos makes getting a policy simple, fast, and painless

Less time and hassle for client

Our proprietary technology analyzes data quickly, leading to over 90% of applicants ages 20–85* getting instant approvals, same-day coverage, and no medical exams (just a few health and lifestyle questions).

Streamlined support for field underwriting

Our platform helps find you the right policy type for your client, saving the time it usually takes to shop around and apply with multiple carriers.

No case management

By using existing data in place of traditional lab work and physical exams, Ethos eliminates your case management work following up and waiting for results.

More time to scale your business

With Ethos’ fast, efficient underwriting capabilities, you can work with  more clients and focus on growing your business.

Term life insurance

With several term lengths and a wide range of coverage amounts to choose from, you can help your clients apply  for a life insurance policy on their terms. Every Ethos term policy includes level premiums, meaning your clients' monthly payments will never increase during their terms. (Product type, benefit amounts, and eligibility can vary by carrier.)

Whole life insurance

For many people, age and health issues make it difficult to access life insurance. That’s why we offer simplified issue whole life insurance, with a range of coverage limits. Approved in a matter of minutes, regardless of medical history. For real.

Final expense

When your clients want to protect their family from the expenses associated with end-of-life planning, guaranteed issue whole life insurance is available.

Index Universal Life Insurance

With Ethos IUL from Ameritas Life Insurance Corp, find out how much more life insurance can offer your clients:

In addition to death benefit protection, Ethos IUL offers financial support if illness strikes, attractive tax-advantaged growth potential, and a lifetime safety net with liquidity during working years and retirement income options.

Estate planning tools

Provide your clients with even more protection with  access to our full suite of online estate planning tools including wills and trusts at no additional cost.*

Industry-leading carriers

Ethos partners with some of the most respected, highly-rated insurance carriers in the world.