There's no better time for life insurance.
New Year. Smarter You.

Life insurance is your smartest resolution. And with Ethos, you can apply in minutes. Life insurance should be affordable, accessible, and honest, because it protects families when they are most vulnerable. So we made Ethos for people like Dean, who always put their family first.

Term life insurance, from Ethos
We built Ethos to make it faster and easier to get term life insurance. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.
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Want to know more about life insurance?
Learn more about how life insurance works, and how to pick the best policy.
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Get an estimate
Shopping around for your best rate? Get your Ethos quote in seconds.
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Apply now
Our straightforward, online application can be completed in minutes.
Why thousands of Americans choose Ethos:
via Trustpilot
It was an easy process
It was an easy process. Got me the coverage I need for my family at a good premium price
Customer, Dec. 2019
via Trustpilot
New way for insurance
Fast, simple, and easy. No haggle from insurance agents, just straight to the point!
Customer, Oct. 2019
via Trustpilot
Great experience. Quick, easy, and a great price with no blood tests or exams.
Great experience. Quick, easy, and a great price with no blood tests or exams.
Customer, Oct. 2019
via Trustpilot
It was an easy process
It was an easy process. Got me the coverage I need for my family at a good premium price
Customer, Dec. 2019
via Trustpilot
New way for insurance
Fast, simple, and easy. No haggle from insurance agents, just straight to the point!
Customer, Oct. 2019
via Trustpilot
Great experience. Quick, easy, and a great price with no blood tests or exams.
Great experience. Quick, easy, and a great price with no blood tests or exams.
Customer, Oct. 2019
via Trustpilot
They were on top of everything
They were on top of everything. The only holdups were with the speed of response from my doctor. When the quote changed because of information from my doctor, they still returned the best price I got from 3 other companies.
Customer, Sept. 2019
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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
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Insure your life. In 3 simple steps.
Ethos makes it easy to apply for a plan that protects the people you care about most.
Number one
See your options
Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
Number two
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes.
Number three
Get your decision
Our underwriters will review your application and present your options. It’s that simple.
Why choose Ethos?
With Ethos, people always come before profit.
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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.
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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.
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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.
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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.