Simple, affordable term life insurance

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

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Personalized coverage
With several term lengths and a wide range of coverage to choose from, your life insurance policy is on your terms. Every policy issued by Ethos 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?
  • Any U.S. citizen age 20 – 65 are welcome to apply.
Bonus
  • All policies issued by Ethos include an accelerated death benefit rider.
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 cover your income, 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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The basics

Term life insurance is a simple and affordable way to provide financial support for your loved ones in case something happens to you. It provides insurance for a set period of time (a “term”) and promises a set coverage amount to your loved ones if you pass away during your term. Your beneficiaries would receive a lump-sum payment (known as the “death benefit”), which be used to help them cover things like mortgage bills, debt, college tuition, or income loss.

Term life insurance benefits
Reassurance that you can live life to the fullest knowing your family will be financially secure if you pass away
  • Affordable: Term life insurance is much cheaper than any type of permanent life insurance. Generally around 20x less expensive than whole life policies. And your rates stay the same for the length of the term.
  • Buying is easy: Applying for life insurance used to take days or even weeks. Now with Ethos, you can apply online instantly.
  • Smart: If you pass away during the term, your policy will provide a lump sum of cash that can be used for pretty much anything.
  • Built for your life: When you buy term insurance, you get to choose how long you need it and how much coverage you want.
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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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