Application - Ethos Life

Application

Can I change my coverage amount or term length once I

Yes, you can adjust your coverage amount and term length after you apply.

Can I insure my spouse, parents, or

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

Simply call (415) 322-2037 on weekdays from 6am – 4pm PT / 8am – 6pm CT or email support@ethoslife.com.

You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.

How can I fix incorrect information on my

Call us at (415) 322-2037 or email support@ethoslife.com anytime.

How is my final price

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

Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.

How do I prepare for my medical

It’s a good idea to avoid alcohol and caffeine on the day of the exam.

I was asked to get a medical

We do not require medical exams unless they’re absolutely necessary. But if you need one, it’s convenient and free.

Is my application

Absolutely not. You may choose to withdraw from the application process at any time without penalty.

What happens after I submit my

Underwriters review your application and approve, request more information, or deny your application.

What if my birthday occurs during the application

Once approved, an agent will help you with any next steps if your new age could impact your premium amount.

What is instant coverage and how does it

Instant coverage covers eligible applicants while you wait for your application to be approved—at no cost to you.

When does my coverage

After your application qualifies for or is approved for coverage and you pay your first premium, you’re covered.

I was asked for follow-up information–what does this

Sometimes underwriters may have a few additional questions or need a little clarification.

Why do I need an Ethos account to

So we can protect any private information you share.

Why does the application require so much

The information required is used to determine your cost, expedite the application, to protect your identity, and prevent...

Will applying hurt my credit

No, it should not affect your credit score.

Can I change my coverage amount or term length once I

Yes, you can adjust your coverage amount and term length after you apply.

Can I speak with a real person if I have

Simply call (415) 322-2037 on weekdays from 6am – 4pm PT / 8am – 6pm CT or email support@ethoslife.com.

How can I fix incorrect information on my

Call us at (415) 322-2037 or email support@ethoslife.com anytime.

How long does it take to get a decision on my

Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.

I was asked to get a medical

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

Underwriters review your application and approve, request more information, or deny your application.

What is instant coverage and how does it

Instant coverage covers eligible applicants while you wait for your application to be approved—at no cost to you.

I was asked for follow-up information–what does this

Sometimes underwriters may have a few additional questions or need a little clarification.

Why does the application require so much

The information required is used to determine your cost, expedite the application, to protect your identity, and prevent...

Can I insure my spouse, parents, or

Your spouse or adult child (between ages 20-65) will just need to apply through our standard application process.

You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.

How is my final price

Your final price might look different than your initial estimate because it considers far more information.

How do I prepare for my medical

It’s a good idea to avoid alcohol and caffeine on the day of the exam.

Is my application

Absolutely not. You may choose to withdraw from the application process at any time without penalty.

What if my birthday occurs during the application

Once approved, an agent will help you with any next steps if your new age could impact your premium amount.

When does my coverage

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

So we can protect any private information you share.

Will applying hurt my credit

No, it should not affect your credit score.

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