Apply with ease

A smooth online application you can knock out in minutes.

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Faster. Easier. Smarter.
Say goodbye to hassles.
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Decide what you need
Use our Coverage Calculator to help figure out how much 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. After you apply, you could qualify for instant coverage while you wait for a final decision.
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Get a medical exam (only if necessary)
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 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 policy.
Get covered instantly
With Ethos, you could qualify to receive temporary instant coverage right after you submit your application—at no cost to you. Find out how instant coverage works.
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 states of Florida and 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 an untaxed $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.

Want help choosing your coverage?
Learn how to choose coverage that covers your bases.
We're here to help

Our team of licensed, non-commissioned agents is happy to answer any questions you have.

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