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Our policies
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Ethos offers simple, affordable life insurance policies.
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Learn & plan
Life insurance
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A handy guide to life insurance.
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insurance?
Learning
Center
How much life insurance do I
need?
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Planning
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Why
Ethos
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Application
Application
Can I change my coverage amount or term length once I
apply?
Yes, you can adjust your coverage amount and term length after you apply.
Can I insure my spouse, parents, or
children?
Your spouse or adult child (between ages 20-65) will just need to apply through our standard application process.
Can I speak with a real person if I have
questions?
Simply call (415) 915-0665 on weekdays from 6am – 4pm PT / 8am – 6pm CT or email support@ethoslife.com.
How can I fix incorrect information on my
application?
Call us at (415) 915-0665 or email support@ethoslife.com anytime.
How do I
apply?
You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.
How do I prepare for my medical
exam?
It’s a good idea to avoid alcohol and caffeine on the day of the exam.
How is my final price
calculated?
Your final price might look different than your initial estimate because it considers far more information.
How long does it take to get a decision on my
application?
Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.
I was asked for follow-up information–what does this
mean?
Sometimes underwriters may have a few additional questions or need a little clarification.
I was asked to get a medical
exam—why?
We do not require medical exams unless they’re absolutely necessary. But if you need one, it’s convenient and free.
Is my application
binding?
Absolutely not. You may choose to withdraw from the application process at any time without penalty.
What happens after I submit my
application?
Underwriters review your application and approve, request more information, or deny your application.
What if my birthday occurs during the application
process?
Once approved, an agent will help you with any next steps if your new age could impact your premium amount.
When does my coverage
begin?
After your application qualifies for or is approved for coverage and you pay your first premium, you’re covered.
Why do I need an Ethos account to
apply?
So we can protect any private information you share.
Why does the application require so much
information?
The information required is used to determine your cost, expedite the application, and to protect your identity.
Will applying hurt my credit
score?
No, it should not affect your credit score.
Can I change my coverage amount or term length once I
apply?
Yes, you can adjust your coverage amount and term length after you apply.
Can I speak with a real person if I have
questions?
Simply call (415) 915-0665 on weekdays from 6am – 4pm PT / 8am – 6pm CT or email support@ethoslife.com.
How do I
apply?
You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.
How is my final price
calculated?
Your final price might look different than your initial estimate because it considers far more information.
I was asked for follow-up information–what does this
mean?
Sometimes underwriters may have a few additional questions or need a little clarification.
Is my application
binding?
Absolutely not. You may choose to withdraw from the application process at any time without penalty.
What if my birthday occurs during the application
process?
Once approved, an agent will help you with any next steps if your new age could impact your premium amount.
Why do I need an Ethos account to
apply?
So we can protect any private information you share.
Will applying hurt my credit
score?
No, it should not affect your credit score.
Can I insure my spouse, parents, or
children?
Your spouse or adult child (between ages 20-65) will just need to apply through our standard application process.
How can I fix incorrect information on my
application?
Call us at (415) 915-0665 or email support@ethoslife.com anytime.
How do I prepare for my medical
exam?
It’s a good idea to avoid alcohol and caffeine on the day of the exam.
How long does it take to get a decision on my
application?
Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.
I was asked to get a medical
exam—why?
We do not require medical exams unless they’re absolutely necessary. But if you need one, it’s convenient and free.
What happens after I submit my
application?
Underwriters review your application and approve, request more information, or deny your application.
When does my coverage
begin?
After your application qualifies for or is approved for coverage and you pay your first premium, you’re covered.
Why does the application require so much
information?
The information required is used to determine your cost, expedite the application, and to protect your identity.
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and acknowledge our
Privacy Policy
.