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 term life insurance online.
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Decide what you need
Use our Coverage Calculator to help figure out how much life insurance coverage you need to protect your loved ones. (Don’t worry, you can adjust this after you’re approved.)
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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 a medical exam (only if necessary)
With Ethos, most people can get life insurance coverage with no medical exam. We don’t require medical exams unless they’re absolutely necessary, and most people don’t need one. If you do, it’s fast, convenient, and free.
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Get covered
After the underwriters review your term life application, you’ll receive a final decision. Our team of licensed agents will reach out to help you make any updates to your coverage and activate your life insurance policy.
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 20-65 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, and gives us permission to begin underwriting.

How do claims and payouts work?
If you pass away while your coverage is in force, your beneficiary can file a claim with the insurance carrier, and the carrier will work with them to issue the death benefit payout.

Assuming there are no unusual complications, your beneficiary will receive an untaxed, lump-sum payment for the value of the policy (the death benefit). For example, if you purchase $1 million in coverage, your beneficiary will receive a tax-free $1 million lump-sum payout.

A claim may not be paid for several reasons, including fraud, misstatements, or material misrepresentations of the information provided 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 specific details.

Get a quote
See a range of personalized price estimates in seconds.
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Explore your coverage 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
30 years
Please note that all prices quoted are subject to change, including due to underwriting.
We're here to help

Our team of licensed agents are happy to answer any questions you have.

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