Looking for a 20-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 20-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 20-year term?
A 20-year term 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:
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You have young children
If your children are young, a 20-year term can provide coverage through their college years and last until they are no longer dependents.
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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.
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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.
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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 20-year term.