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Who is eligible to apply for a policy?
Who is eligible to appl...

Who is eligible to apply for a policy?


All U.S. citizens and permanent residents ages of 20-65 can apply for coverage with Ethos. Those who apply before age 65 can be insured until age 94. If you are over 65 and looking for term coverage, we recommend checking out Policygenius.


Ethos is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.

If I already bought a policy from Ethos, can I apply for a second policy?

In short, no. If you already have a policy with us, you can’t apply for a second. If you try to apply for a second policy, you should receive a message stating you are ineligible to apply. If you’re looking for more coverage, you would need to cancel your current policy and reapply for higher coverage.

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