How it works: Our easy application process

Apply in minutes with our simple online application. No medical exams (we just ask a few health questions) and many customers enjoy same-day coverage.

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Get covered in 3 easy steps:
Here's how to get started.
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Get a quote
Answer a few simple questions about yourself to see your estimated cost for a variety of policies.
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Apply in minutes
Our fast, straightforward application is 100% online and can be completed in about 10 minutes when you answer just a few health related questions. You don’t even need to leave the house.
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Get covered
Once your application is submitted, we’ll process the information to provide you a quick (often instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.
What to expect when you apply:
You’ll start by answering a few basic questions, where we will take out the guesswork on your part and determine which of the products we offer can give you the best price and level of coverage.
How do you determine the best policy for me?

We start with your age—if you're between the ages of 65 and 85, you qualify for our guaranteed issue whole life policy and are automatically approved. If you don’t qualify for this product, we will ask you a few health related questions to get you coverage as quickly as possible.

Applicants aged 20-65 are eligible for one of our term policies. From there, we take the information you give us on the application and use our proprietary technology and smart underwriting to provide you with a range of coverage options.

Who can apply?

All U.S. citizens ages 20-85 are welcome to apply. Ethos is licensed and operates in every U.S. state and the District of Columbia, excluding the state of New York.

What information do I need?

For your application to go quickly and smoothly, it’s a good idea to have the following information handy:

  • Driver license information
  • Social Security number (to verify your identity)
  • Personal and family medical history
  • Current prescription information
Why do we need this information?

In order to provide you with instant coverage, we ask for your drivers license information and social security number to verify your identity in real time. Having your medical history and prescription information helps us gain a clear picture of your health, without requiring you to take a medical exam.

Is the application binding?

Absolutely not. You may withdraw from the process at any time, with no penalty to you. Signing and submitting your application just confirms the information you’ve provided is true.

What kind of questions will I be asked?
Depending on which of our products you qualify for, the application process will vary.

Applicants who are eligible for our guaranteed issue whole life policy (anyone ages 65-85) will be approved after answering a few simple questions—no health details required!

For our term policies, you'll be asked more questions, but can still complete the application in a matter of minutes. In general, you can expect questions around the following areas:

  • Your health
  • Your legal and driving history
  • Your insurance history
  • Your employment/income
  • Your lifestyle and hobbies
  • Your use of drugs and/or alcohol
Get a quote
See a range of personalized price estimates in seconds.
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Explore your options
Adjust the coverage amount and term length to find a plan you like. Then apply online (with no obligations) and get your real rate.
The estimated monthly rate for this policy is:
Coverage amount
Term length
10 years
Please note that all prices quoted are subject to change, including due to underwriting.
How do policy claims and payouts work?
It’s simple for your beneficiaries to file a claim and receive the payout. If you pass away while your coverage is in force, your beneficiary can file a claim with your insurance carrier, and the carrier will work with them to issue the death benefit payout.

Assuming there are no unusual circumstances, your beneficiary will receive an untaxed, lump-sum payment for the value of the policy (the death benefit). For example, if you purchase $250,000 in coverage, your beneficiary will receive a tax-free $250,000 lump-sum payout. In some cases, the payout may be more or less due to policy loans, or the inclusion of a graded death benefit (if you have a whole life policy with a graded benefit). See your policy documents for more details.


A claim may not be paid for several reasons, including fraud, misstatements, or material misrepresentations of the information provided in your application, which is why it’s important you are completely honest in your application. A claim can also be denied if the death of the insured is the result of suicide, in the first two years of the policy being in force. Please refer to the policy or ask us for more information regarding any specific details which can vary by state.

Life Insurance 101

What is life insurance? How much coverage will I need? All those answers (and more) in one place.

Frequently asked questions
Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. We’re not treating this any differently than we would any other illness or travel advisory. You can still apply for life insurance online with Ethos. If your application is approved, you’ll be considered covered as soon as your first premium payment is made. Learn more.

Is a quote the same as my actual rate?

Typically, your initial quote is an estimate based on a few pieces of information and may change. This is because the application takes much more information into account when determining your actual rate. You’ll get your real rate after you apply and your application is approved. (And with Ethos, the application is free.) With the simplified issue term life and guaranteed whole life insurance policies your quote is the same as your final rate.

Can I replace an existing policy with an Ethos policy?

Depending on the product and your state of residency, Ethos may not be able to offer you coverage if you intend to replace existing coverage.

With any policy insured by Legal & General, America, you can apply to replace your current coverage with Ethos. If you decide to replace any existing coverage, be careful not to terminate your existing coverage until your new application has been approved, to avoid any gaps in coverage. With any policy insured by AAA Life, anyone applying for replacement coverage is considered ineligible.

What does a policy cover?

Your policy can help your loved ones in their greatest time of need. It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout.

What do customers say about Ethos?

Ethos is designed to put people first. Ethos has an ‘Excellent’ rating on Trustpilot with 4.6 stars from customer reviews. Ethos also has an A+ rating from the Better Business Bureau (BBB), which is a non-profit organization dedicated to promoting marketplace trust.

How do I know my policy is reliable?

Ethos works with top life insurance carriers to ensure this. As a third-party administrator and agent, every policy we offer is backed by established industry leaders with superior financial strength ratings.

More questions?

Explore common questions or search for topics on our FAQ page.

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