Why thousands of Americans choose Ethos
Ethos has redesigned the life insurance application process from start to finish to make it accessible and transparent for everyone. Because protecting your family should be this simple.
Fast, easy, free application
Our straightforward online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.
Affordable, personalized coverage
We offer a wide variety of coverage options to fit your budget and give you the coverage you need.
Honest advice. No up-selling.
You don’t need to talk to an agent – unless you want to. Ours are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.
Money back guarantee
If you’re not happy with your policy or change your mind in the first 30 days, we’ll refund your payment in full.
No cancellation fees
You can cancel your coverage at any time, with no extra fees.
Backed by financial giants
Our investors include Jay-Z, Will Smith, Goldman Sachs, Google Ventures, Sequoia, and other top venture capital firms.
$65 billion++
Coverage provided
95%
Customers approved
How it works
We’ve simplified the application process. Get covered in 3 simple steps.
Apply in minutes
100% online, with no medical exams (just a few health-related questions).
See your options
Select the plan that works best for you with multiple coverage options to choose from.
Get covered
Accept your offer. If approved, you can activate your coverage immediately.