Life insurance that's simple and affordable.

Ethos makes it easy to get an affordable life insurance policy to protect your family. With just a short online application, you can get the right coverage for your needs and budget.

Please note that all prices quoted are subject to change, including due to underwriting.

Life insurance 101

Learn all you need to know about life insurance and how to choose the best policy for your family.

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Coverage Calculator

How much life insurance is right for you? Use our free calculator to help you figure out what you need.

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Apply now

Our fast, straightforward application is 100% online and can be completed in minutes.

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Peace of mind is more affordable than you think.

Get $1 million in term life insurance coverage for as low as $30 a month.

Quotes for a 32-year old female non-smoker in good health with a 10-year term (as of 6/4/20).

Life insurance protects their future.

If you were to pass away, your loved ones don't just lose you, they also lose the financial support you provide. A life insurance policy can help your family maintain the lifestyle they've grown to love and provide long-lasting financial security. Your family can use the payout to help cover everyday living expenses and just about anything else they need, such as:

Funeral costs
Mortgage or housing costs
Medical expenses
Retirement income
Your student loans or children's college tuition
Debts

Insure your life. In 3 simple steps.

Ethos makes it easy to apply for a plan that protects the people you care about most.

See your options

Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.

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Apply in minutes

After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 5 minutes.

Apply now→

Get covered

We'll review your application details and if you aren't instantly approved we'll send your application to underwriting for final approval. It’s that simple.

The Ethos difference:

Fast and easy process

We offer flexible policy options to fit your life, and our simple online application takes just a few minutes, not weeks. So you can get back to what’s important.

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.

Trusted by thousands

We have an ‘Excellent’ rating from Trustpilot with 4.8 stars and an A+ rating from the Better Business with zero customer complaints. That’s why thousands of Americans choose Ethos.

Industry-leading partners

We work with Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re to offer you the best life insurance plan.

Why thousands of Americans choose Ethos

via Trustpilot

It was the easiest transaction ever

It was the easiest transaction ever! I loved getting this insurance policy! I still work full time and I saved a lot of time! Excellent!!

Wendell M.

via Trustpilot

Great experience from start to finish

Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping

Richard Pula

via Trustpilot

I loved working with Ethos

I loved working with Ethos. They are professional, timely, honest, and quick to respond to my questions and concerns. I was really pleased with the service I received through working with them. Thanks for helping me get insured, Ethos!

M. F. Cook