How it works: Our easy life insurance application

A smooth online application you can knock out in minutes.

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Faster. Easier. Smarter.
The easy way to buy life insurance online.
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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. 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 (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.
Get ready
Our application is non-binding, 100% free, and won’t affect your credit score.

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
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.

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 to expect after you apply
If needed, underwriting will begin. In some cases–like for our guaranteed or simplified issue policies–applications could be approved immediately. Otherwise, we’ll get back to you as quickly as possible with a decision. Here are a few things that could happen during underwriting:
  • Follow-up questions: Underwriters may have follow-up questions on your application. If that’s the case, we’ll email you letting you know. It’s typically as simple as a quick online questionnaire you can finish in a few minutes.
  • Medical records: Sometimes, we may request access to view a few of your medical records if we need a clearer picture of your health.
  • Medical exams: Thanks to our proprietary technology and predictive modeling, most people do not need a medical exam. However, there are a few cases when underwriters need to see a current snapshot of your health, and then one would be required. If you do need a medical exam, it is quick, convenient, and free, and we’ll work with you to take care of it.

Want to know more about underwriting? Learn more.

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.

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.
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.

How does Ethos work with life insurance carriers?

As a third-party administrator or agent, Ethos works with some of the industry’s top life insurance carriers to sell simple, affordable policies. Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the industry giants that have paid out billions of dollars in claims.

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 4.5 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 term 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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