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.
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:
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.
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.
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.
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.
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.