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 95% 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.)

term life insurance product details
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.

whole life insurance product details
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.

final expense product details
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 (for eligible 
policies only).

estate planning
Industry-leading carriers

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

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Agents are expected to act within the scope of their license and may not sell, solicit or negotiate life insurance unless licensed in the state.The information herein is provided solely for educational purposes to provide you with information about products and services offered through Ethos and is not to support the sales, solicitation, and/or negotiation of insurance products except by agents who are validly licensed in the relevant state(s) and appointed by the relevant carrier(s) as necessary. If an applicant has any questions about the terms, conditions, or pricing of any products, please refer them to speak with a licensed agent at Ethos. By partnering with Ethos, you agree to Ethos’ Terms & Conditions.*© 2022 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. This is an ad. Ethos offers policies issued by the carriers listed at Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions. The information and content provided is for informational purposes only and is not to be considered legal, tax, investment, or financial advice.