Simplified issue term life insurance

Term life insurance is an excellent choice for families during their critical growing years when incomes may be lower, and needs can be very high. With Ethos, you can purchase online and get covered instantly.
What is simplified issue 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.)

Learn more about term life insurance
Learn more about the term life insurance policies Ethos offers and how they work.
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Answer a few questions online to get a quote in seconds.
Easy simplified issue term life insurance from Ameritas Life Insurance Corp.

For many people, age and health issues make it difficult to get access to life insurance. That’s why we partner with Ameritas Life Insurance Corp. to offer Simplified Issue Term Life Insurance. If you’re between the ages of 20 and 70, you’ll know if you are eligible for coverage instantly–no tests, exams, or waiting. If you are approved, your coverage can start instantly too (as soon as your premium is paid). Your premiums don’t change for the entirety of your selected term and you can renew your policy at the end of your term, regardless of your health.

Ameritas Life Insurance Corporation
How it works
Apply in minutes
Fill out the super quick online application and get an instant decision. If approved, you could get covered in minutes.
Choose your coverage & term length
Choose between $50K - $500K ($25K increments) for anyone aged 20-45 and $50K - $350K ($25K increments) for anyone 46-70. Term lengths vary from 10-30 years.
Get covered
Once you attach a credit card and make your first payment, you’re covered.
The instant advantage & cost

Your application will undergo a simplified underwriting process, which means you’ll get an instant decision. This life insurance can cost more than other types of coverage that require traditional underwriting because there aren’t any medical exams or lab tests. Your price is determined based on the answers you provide to some personal and health questions. In many cases, this is the best option for people who may have trouble getting coverage elsewhere.

The issuance of the policy may depend upon the answers to the health questions set forth in the application.
Get covered instantly
See what’s included with every simplified issue term life policy.
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Instant decision & instant coverage
There’s no waiting. You’re covered as soon as you’re approved and purchase the policy. There are no medical exams, ever.
Guaranteed level premiums & renewable
Your premiums don’t change for the entirety of your selected term. You can renew your policy at the end of your term, regardless of your health. Your premium will increase but your coverage will remain level.
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Help the whole way
Ethos is available to help you with any questions via phone, email, text, and chat. You can contact us anytime.
© 2020 Ameritas Mutual Holding Company
The mutual advantage
We work with Ameritas to offer simplified issue term life insurance (in all states except NY) without medical exams. Ameritas (Est 1887) is a top-rated insurer that serves millions of customers nationwide. Ameritas is part of a mutual-based organization, which means they are owned by their policyholders, not shareholders.
Is this coverage right for you?
Many people love this Simplified Issue Term Life coverage because you can get an instant decision, and there are never any medical exams.

This type of life insurance may be great for you, particularly if:

  • You’re growing your family, so you have high coverage needs without a lot of income
  • Your term life insurance has expired, and you need a new policy to extend your life insurance coverage
  • You need life insurance, but you aren’t sure you’d qualify for a traditionally underwritten policy
  • You want a simple process without medical exams or lab tests
  • You thought you couldn’t get life insurance because of your age or health
  • You don’t want your family to have to worry about your final expenses
  • You’re willing to pay a higher premium for the unique benefits of this coverage
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Explore your options

The estimated monthly rate for this policy is:

Coverage amount
Term length
10 years
Please note that all prices quoted are subject to change, including due to underwriting.