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

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

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

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

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

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

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

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

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

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

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

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

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

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

So we can protect any private information you share.

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

No, it should not affect your credit score.