Simple, affordable term life insurance

One flat monthly payment. Protection for the people you love most.

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What we offer
With several term lengths and a wide range of coverage amounts to choose from, your life insurance policy is on your terms. Every policy we offer includes level premiums, meaning your monthly payment will never increase during your term.
Several term lengths
  • Choose between 10, 15, 20, and 30-year terms.
Flexible coverage
  • Get anywhere from $100,000 to $1.5 million in protection.
Who can apply?
  • All U.S. citizens ages 20-65 are welcome to apply.
Extra benefits
  • Every policy we offer includes an accelerated death benefit rider.
Instant coverage
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.
What to consider

You can personalize your coverage by 1) choosing your term length and 2) choosing your coverage amount. In general, policies with shorter terms and less coverage cost less. When customizing your plan, here are a couple things to think about:

  • You may want a term length that lasts until you retire, your children are grown and are no longer dependents, your mortgage is paid off, or you reach your savings goals.
  • You may want enough coverage that could replace your income, and help cover debt, mortgage, and your children’s college tuition.

Still not sure what you need? Try our Coverage Calculator to help you figure out what you need.

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Benefits of term life insurance

Term life insurance is a financially savvy way to plan ahead for your family in case anything happens to you.


Term life insurance policies are straightforward and easy to understand, so you know exactly what you’re getting.


Term life insurance is generally more affordable than other types of life insurance and can cost 10-15X less than permanent life insurance. Plus, your premium won’t increase during your term.

Peace of mind

Having term life insurance in place gives you peace of mind knowing your loved ones are taken care of.


With term life insurance, you choose your term length and coverage amount, so you have the financial protection you want, for as long as you need it.


Applying for life insurance traditionally could take weeks, even months. Now, you can apply for coverage online in a matter of minutes. And most people don’t need a medical exam.

30-day money back guarantee

If you change your mind during the first 30 days of your policy being active, you’ll get a full refund, guaranteed.

No cancellation fees

You can cancel your coverage anytime with no cancellation fees.

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Learn all about life insurance
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How Ethos works
No hassles or unnecessary doctor visits.
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