Same-day coverage and great perks.
Choose free 1-year Headspace or Aaptiv membership for a healthy life.*
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Gender
Used for estimate only.
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Estimated monthly rate
Your estimated monthly cost, or “premium,” is the estimated total amount you will pay per month to keep a policy active. To see your real premium, apply online in just a few minutes.
From
To
Coverage amount
"Coverage" is the total lump-sum amount your beneficiaries will receive if you die while your policy is active. To confirm what coverage amount you qualify for, apply online in just a few minutes.
$100,000
 
 
 
Term length
Term life insurance policies last for a specific amount of time (your term) and the death benefit is only payable to beneficiaries upon the death of the insured person during the term.

Because a term life policy costs less than a whole life policy, and because many policyholders' financial obligations are limited in time (for example, raising children), a term life policy makes the most sense for many people.
10 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
Coverage questions
Life insurance is not one-size-fits-all. It's essential to consider your unique financial and personal situation (such as assets, debts, and future plans) when deciding how much life insurance you should have.
We recommend
in coverage over years
.
Term life insurance policies last for a specific amount of time (your term) and the death benefit is only payable to beneficiaries upon the death of the insured person during the term.

Because a term life policy costs less than a whole life policy, and because many policyholders' financial obligations are limited in time (for example, raising children), a term life policy makes the most sense for many people.
Your estimated rate is
to per month.
Income replacement
We recommend you multiply your yearly salary by 10-12x.
$0
Total Debt
This amount should include the balance of your mortgage along with any car loans and outstanding consumer debt you have.
$0
College Tuition
The average cost of an in-state public university is around $25k per year. You'll want to take that number and multiply it by four and then by the number of children you have.
$0
Burial Cost
The average cost for a standard funeral falls between $7k and $10k.
$0
Please note that all prices quoted are subject to change, including due to underwriting.
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Why Ethos?
no medical exams
No medical exams
Our 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests.
Same-day coverage
Same-day coverage
Because of our expedited process, most customers enjoy same-day coverage.
wellness packages
Free wellness perks
Most policies include free access to a Headspace or Aaptiv membership to help you live a healthy life.*
Affordable policies
Affordable policies
You can tailor your policy to fit your budgets and your needs because we believe that life insurance isn’t a one-size-fits-all solution for your family.
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Simple, fast, and affordable.

With Ethos, you can get a flexible policy that fits your family's needs at price you can afford.*

  • No medical exams—answer a few health questions, 100% online
  • Same-day coverage available
  • Policies backed by top-rated insurance carriers
  • Access to one free benefit like Headspace or Aaptiv
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Backed by giants

Our polices are issued by the same brand-name carriers you know and love.

Our carriers
More than life insurance.
Most of our policies include exclusive benefits designed to generate happier, healthier lives.
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