Looking for a 10-year term?
With Ethos, you can apply for a term length that gives you the coverage you need, with terms ranging from 10 to 30 years.
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How much a 10-year term can cost

Example premiums for a healthy 40-year-old male and female.

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Life insurance protects the ones you love most

Your coverage secures your family’s financial future and can help cover living expenses, debt, mortgage payments, education, and more.

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Who can benefit from a 10-year term?
A 10-year term can be a great option because it’s a seriously affordable way to protect your family for 10 years. When it comes to choosing your term length, a 10-year term might be perfect for you if:
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You have pre-teen children
If you have children who are around middle school age, a 10-year term can provide coverage through their college years and last until they are no longer dependents.
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You’re close to retirement
If you’re planning on retiring within the decade, a 10-year term can give you extra peace of mind while you’re still working. Your coverage could be used by your loved ones to replace your income should the unexpected happen.
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You’re close to financial independence
If you’re close to paying off your home mortgage or other debt, a 10-year term may be just the coverage you need when you’re in the final stretch of becoming financially independent.
Why thousands of Americans choose Ethos
Ethos makes it easy to apply for life insurance that’s tailored to your budget and coverage needs.
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Fast, easy, free application
Our straightforward online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.
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Affordable, personalized coverage
We offer a wide variety of coverage options to fit your budget and give you the coverage you actually need.
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No pushy agents or hidden fees
Our team of agents is salaried, so you don’t have to worry about being upsold on an expensive policy you don’t need.
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Cancel easily
If you change your mind within the first 30 days of activating your coverage, we’ll refund your payment in full. And with Ethos, you can cancel your policy anytime with no extra fees.
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See estimated prices for a 10-year term.