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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A lightning-fast process
Unlike the traditional paper process that can take weeks, our application is online and can be completed in minutes.
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Get an instant quote
Before you apply, get an instant, personalized quote with several flexible policy options to choose from. You can customize your coverage amount and term length to match your needs.
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Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes. We only ask what we need to know to evaluate your application.
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Get covered
Our underwriters will review your application and send you your options. A licensed agent will reach out to review your coverage plan with you and answer any questions.
Apply in 10 minutes
Take the first step towards protecting your family’s financial future with an instant, personalized quote.
Built for you
We built Ethos with flexible features so your needs always come first.
Cancel anytime
You may cancel your policy whenever you want to, for any reason. No questions asked.
Money-back guarantee
If you’re not happy, we will refund your money within the first 30 days. No muss, no fuss.
Price-lock guarantee
Your price is locked in. It does not increase if your health changes or as you age.
Teaming up with industry giants

Our policies are guaranteed by the world’s largest and most-respected insurance companies, including Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re. These insurers protect millions of families and are rated ‘Excellent’ by industry standards.

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Learn more about life insurance
This life insurance guide can help make it easier to understand the basics about how life insurance works, types of coverage available, why you need it, and how to go about choosing a plan that’s right for you.
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How much insurance do I need?
Use our term life insurance calculator to help figure out your coverage needs.
What will it cost?
Answer a few questions about yourself to get an estimate for a term life insurance policy. We'll provide estimates based on the amount of coverage you want, the length of time you want your policy to last, and your health and lifestyle.
Need more help?

Our customer support team is happy to answer any questions you may have. Call or text us at (415) 322-2037 or email

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Your coverage protects your family
If anything unexpected happens to you during your term, these are just a few things your policy can help your family cover:
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Protect your family from debt they may not be able to repay.
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Safeguard your family’s finances by replacing your income.
Life insurance can help cover mortgages and other home-related expenses.
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Your policy can be used to help cover your children’s college tuition.