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Life insurance 101
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Check my price
Ethos Logo
Life insurance
Life insurance
101
A handy guide to life insurance.
How much life insurance do I
need?
Whole life insurance for
seniors
Term life
insurance
No medical exam life
insurance
Free wills & estate plans
Wills & estate plans
101
Why everybody needs a plan.
Free will with life
insurance
Why Ethos
Why
Ethos
Fast, easy life insurance you can trust.
How Ethos
works
Ethos for
good
Customer
reviews
Agents
Ethos for
agents
Grow your business with Ethos.
Join as an
agent
Log in as an
agent
FAQs
FAQs
Everything you need to know to make a plan.
Complete guide to life
insurance
Contact
us
Coverage
calculator
Blog
Want to know your real rate?
Check my price
Help Center
>
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?
Yes—send us an email at support@ethoslife.com.
How can I fix incorrect information on my
application?
Send us an email at 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 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.
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 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?
Yes—send us an email at support@ethoslife.com.
How can I fix incorrect information on my
application?
Send us an email at 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 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.
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.
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.