Our policies
We work with the best in the business to find you the best policy. Learn more about the life insurance products we offer.
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Term life insurance

With several term lengths and a wide range of coverage amounts to choose from, your life insurance policy is on your terms. Every term policy we offer includes level premiums, meaning your monthly payment will never increase during your term. (Product type, benefit amounts, and eligibility can vary by carrier.)

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Whole life insurance

For many people, age and health issues make it difficult to get access to life insurance. That’s why we have teamed up with AAA Life to offer guaranteed issue whole life insurance with a graded death benefit. If you’re aged 65-85, you’re guaranteed to be approved in a matter of minutes, regardless of your medical history (and without medical exams). For real. And with a secure rate that will never increase, you’re covered for life.

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How Ethos works

To make sure your policy stands the test of time, we work with some of the largest and most respected insurance companies in the world. You get the dependability of centuries-old-industry giants and the convenience of a modern technology company.

We’ve digitized the entire life insurance application process so that it takes minutes compared to weeks with traditional companies. Once you apply, we analyze your information against all of our products in real-time so that we can match you with the best policy and price available to you. Then it’s up to you to activate if you like what you see.

We make it easy to check life insurance off your list, without the pressure of pushy salespeople. However, if you do have questions, our team of licensed agents is here to help along the way.

Why Ethos
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Fast, easy application
Our application is simple, straightforward, and 100% online–meaning you can apply for life insurance from the comfort of your home. Most applicants don’t even need a medical exam.
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Money-back guarantee
If you’re not happy with your policy in the first 30 days for any reason, we’ll refund your payment in full. After that, you are also free to cancel your policy at any time if it doesn't work for you, with no cancellation fees.
Lifetime customer support
Whether you need technical support, answers to your life insurance questions, or unbiased advice from a licensed agent, our team is available to help.
A+ Rated and Backed By Giants
  • We work with highly respected carriers like Legal & General America and AAA Life to bring you coverage you can count on.
  • Customers give us stellar reviews. Ethos has 4.5/5 star ratings on both Google Reviews and Trustpilot.
  • We’re proud to have received an A+ rating from the Better Business Bureau.
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Learn all about life insurance
Because they don’t teach it in school.
Term vs whole life insurance
Understand the difference so you can decide which is best for your needs.
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