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We start with your age. If you're between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved.
Applicants ages 20 to 65 are eligible for our term policies. Using the information on your application as well as our proprietary technology and smart underwriting, we can offer a range of coverage options.
All U.S. citizens ages 20 to 85 can apply. Ethos is licensed and operates in the District of Columbia and every U.S. state except New York.
To ensure your application goes quickly and smoothly, have the following information handy:
- Driver's license
- Social Security number (to verify your identity)
- Personal and family medical history
- Current prescription information
To provide you with instant coverage, we ask for your driver's license information and social security number to verify your identity in real-time. Having your medical history and prescription information gives us a clear picture of your health without requiring a medical exam. Rest assured that this information remains secure and confidential.
You may start an application and withdraw from the application process at any time without penalty. Before issuing any coverage to you, we will tell you the amount of coverage and premium we will offer you. If you like our offer, you can add your electronic signature at the end of the application to confirm the information provided is correct, and you will be issued coverage. You always have a 30 day period to cancel coverage and get your money back if you change your mind.
Applicants between 66 and 85 are eligible for our guaranteed issue whole life policy and can get approved after answering a few simple questions.
Term policies require additional questions, but applications can still be completed in minutes. In general, you can expect questions related to:
- Your health
- Your legal and driving history
- Your health insurance history
- Your employment and income status
- Your lifestyle and hobbies
- Your drug and/or alcohol use
Assuming there are no unusual circumstances, your beneficiary will receive an untaxed, lump-sum payment for the policy's value (the death benefit). Suppose you purchase $250,000 in coverage. In that case, your beneficiary will receive a tax-free $250,000 lump-sum payout. In some instances, the payout may shift slightly 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
There are several reasons why a claim might not be paid. These include fraud, misstatements, or material misrepresentations of the information provided in your application. That's why it's important to be truthful in your application. A claim can also be denied if the insured's death results from suicide in the first two years of the policy being in effect. Details may vary by state, so refer to the policy or ask us for additional information.
Life insurance covers deaths related to COVID-19, and the pandemic doesn't impact life insurance rates. Buy life insurance online with Ethos, and if your application is approved, you'll be covered as soon as you make your first premium payment. Learn more.
Typically, your initial quote is an estimate based on a few pieces of information and may change before your first payment becomes due. You'll receive your final set rate after the application is approved (with Ethos, your application is free). With the simplified issue term life and guaranteed whole life insurance policies, your rates never go up once you start your policy.
Whether Ethos can offer replacement coverage depends on the product and your state of residency. 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 what you currently have until you receive approval of your new application to avoid any gaps in coverage.
After you've passed away, your policy can help your loved ones cover life's significant expenses and lost wages. Some people choose to use the benefit to pay home mortgages, cover children's educational expenses, repay a debt, or help with the cost of raising a family.
Ethos puts people first and has a rating of "Excellent" on Trustpilot with 4.8 stars from customer reviews. Ethos also has an A+ rating from the Better Business Bureau (BBB), a nonprofit organization dedicated to promoting marketplace trust.
Ethos works with top life insurance carriers. As a third-party administrator and agent, Ethos only offers policies backed by established industry leaders.
Explore common questions or search for topics on our FAQ page.