Faster. Easier. Smarter.

Ethos is transforming the way people get access to life insurance. Our simple, transparent process makes it easy to find personalized coverage—without hassles or hidden fees. For an affordable monthly fee, you can protect your family’s financial future with the option to cancel anytime.

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How do I get a life insurance policy with Ethos?
Unlike the traditional paper process that can take weeks, our application is online and can be completed in minutes.
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Assess your needs
You can use tools like our coverage calculator to help you decide the right fit for you and your loved ones.
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Apply in minutes
Start with an instant online quote with flexible policy options to choose from. You can then customize your coverage amount and term length to match your needs. After you choose your plan, complete our 100% online application, which helps match you with the right policy for your lifestyle.
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Get a decision
After underwriters review your application, a non-commissioned, licensed agent will reach out to review your policy with you and answer any questions you may have.
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Activate your coverage
You activate your coverage by paying your first premium, which you can choose to pay monthly or annually for the duration of your term. Ethos term life insurance policy premiums are guaranteed, which means your premium amount never changes. Essentially, you will lock in your rate and will pay a fixed price for the length of your term.
Need help?
For more help on determining your needs, check out our guide to picking a policy
What do I need to apply?
Our application process is 100% free, non-binding, and won't affect your credit score.

Like all life insurance applications, we will ask questions about your medical history, financial health, and lifestyle. We will also need to verify your identity (to help protect against insurance fraud). For your application to go quickly and smoothly, it’s a good idea to have the following information handy:

  • Driver’s license number & expiration date
  • Social security number (to verify your identity)
  • Personal and family medical history
  • Current prescription information
Who is eligible for Ethos life insurance?

Anyone between the ages of 20 and 65 can apply for coverage with Ethos. Ethos is licensed and operates in all 48 U.S. states and the District of Columbia, excluding the state of New York and Florida.

It is possible to be denied coverage due to health issues. That said, having health issues should not preclude you from applying for coverage—many of our current policyholders have a history of health problems.

Does it cost money to apply with Ethos?

No, we do not charge you for applying with Ethos. Our application is 100% free. You will only be charged when you accept your final policy, after the underwriting process. No hidden fees, no upselling–that's the Ethos promise.

Is the application binding?

Absolutely not—you may choose to withdraw from the process at any time without penalty. Signing and submitting your application just confirms that the information listed is correct and that you give permission for us to send it over to the underwriters.

How do claims and payouts work?
If you pass away at any time during the term of the life insurance policy, your designated beneficiary can file a claim with the insurance carrier. The carrier will work with your beneficiary during the claims process to facilitate the payment of the death benefit proceeds.
How does a life insurance policy payout work?

Assuming everything is in order, your beneficiary receives a lump-sum payment from the life insurance company for the value of the policy (the “death benefit”). For example, if you purchase a $1 million term life insurance policy, your loved ones will receive an untaxed, $1 million lump sum payout – usually within a few days - 2 weeks.

Claims will be paid if you die for any reason except the following:

If parts of the application were not answered truthfully or if the claim is the result of suicide during the first two years of the policy being in force.

We're here to help

Our team of licensed agents is non-commissioned, so they have your best interest in mind. Our goal is to help you find the perfect policy for your loved ones. You can call or text us at (415) 702-1844 or email if you have any questions.

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