Find 20 Year Term Life Insurance Plans

With Ethos, you can apply for a term length that gives you the coverage you need, with terms ranging from 10 to 30 years.
father and son hugging
How much a 20-year term can cost

Example 20-year monthly premiums for a healthy 40-year-old male and female. Ranging for $100K to $1.5M in coverage, Ethos can provide as much life insurance coverage as you need at an affordable rate. 20-year life insurance premiums can cost as little as $39 a month for $500,000 in coverage depending on health, age, and several other factors.

price chart
Life insurance protects the ones you love most

A 20-year life insurance policy secures your family’s financial future and can help cover living expenses, debt, mortgage payments, education, and more.

mother and daughter on the beach
Who can benefit from a 20-year term?
A 20-year term life policy can be a solid option for many people because it’s an affordable way to protect your family for a longer period of time. When it comes to choosing your term length, a 20-year term might be perfect for you if:
kids icon
You have young children
If your children are young, a 20-year term life insurance policy can provide coverage through their college years and last until they are no longer dependents.
debt icon
You have debt
If you’re paying off a mortgage or carry debt, this term might be perfect for you. Should the unexpected happen, your plan can help cover the rest of your mortgage and shield your family from steep mortgage payments.
tree icon
You plan on retiring in 20 years
Consider how long until you retire. If you plan on retiring within the next 20 years, this term can give you extra peace of mind while you’re still working and set your family up with financial security.
Why thousands of Americans choose Ethos
Ethos makes it easy to apply for life insurance that’s tailored to your budget and coverage needs.
fast icon
Fast, easy, free application
Our straightforward online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.
affordable icon
Affordable, personalized coverage
We offer a wide variety of coverage options to fit your budget and give you the coverage you actually need.
pushy icon
Honest advice, non-pushy agents
You don’t need to talk to an agent – unless you want to. Our agents are experts in finding you the coverage that best suits your family’s needs.
cancel icon
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.
Instant life insurance coverage
Nicotine use?
Used for estimate only.
Explore your options
Adjust the coverage amount and term length to find a plan you like. Then apply online (with no obligations) and get your real rate.

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.