Calculate your life insurance coverage needs and price

Not sure where to start with life insurance? Use our helpful calculators to figure out how much life insurance coverage you need to protect your family.
Get an instant quote
See a range of personalized price estimates in seconds.
Gender
Heath
Nicotine use?
Explore your coverage 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:
From
To
Coverage amount
$500,000
 
 
 
 
Term length
30 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
Personalizing your coverage amount and term length
There are several factors that can affect how much coverage you need, and how long you need it for. The two variables to adjust based on your unique situation are coverage amount and term length.
Coverage amount

There are a few ways to think about your coverage amount. A simple way to calculate this is by multiplying your annual salary by 10. Or, you can use the tools below to get a more detailed estimate. Alternatively, you can use the DIME method to add up what you need.

Total coverage = Debt + Income + Mortgage + Education costs

If you want help getting a more detailed recommendation, try our Coverage Calculator.

Term length

Determining the right term length can depend on several factors. Consider a term that would cover your family for the number of years they would depend on you, financially or otherwise. You may want a term that lasts until:

  • You retire
  • Your children are grown and are no longer dependents
  • Your mortgage is paid off
  • You reach your savings goals
light bulb
Life insurance 101
Learn all you need to know about life insurance and how to choose the best policy for your family.
money icon
How it works
Learn how our simple application process works and what to expect.
Apply now icon
Apply now
Our fast, straightforward application is 100% online and can be completed in minutes.
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 term 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
mother and son hugging
Insure your life. In 3 simple steps.
Ethos makes it easy to apply for a plan that protects the people you care about most.
1
See your options
Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
2
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes.
3
Get your decision
Our underwriters will review your application and present your options. It’s that simple.
The Ethos difference:
fast icon
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.
people icon
People before profit
It’s our top priority to create a policy that’s tailored to your individual needs—always. Plus, our team of licensed agents is salaried, so you don’t have to worry about being upsold by a commissioned salesperson.
A plus icon
Trusted by thousands
We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints. That’s why thousands of Americans choose Ethos.
Heart shield icon
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 Malphrus
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
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 Malphrus
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
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
Need help getting started?

Our customer support team is happy to answer any questions you may have. Call us at (415) 322-2037 or email support@ethoslife.com.

father teaching son how to ride a bike
Featured in
VentureBeat
CNBC
Business Insider
Bloomberg
TechCrunch
Yahoo!
Forbes
Fortune
We use cookies to improve your experience on our site and collect data and personal information, all as described more fully in our privacy policy. By using our website, you agree to our use of cookies and our privacy policy.