Instant life insurance coverage
No medical exams, no blood tests – apply online to get covered today.
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Estimated monthly rate
Your estimated monthly cost, or “premium,” is the estimated total amount you will pay per month to keep a policy active. To see your real premium, apply online in just a few minutes.
From
To
Coverage amount
"Coverage" is the total lump-sum amount your beneficiaries will receive if you die while your policy is active. To confirm what coverage amount you qualify for, apply online in just a few minutes.
$100,000
 
 
 
Term
Term life insurance policies last for a specific amount of time (your term) and the death benefit is only payable to beneficiaries upon the death of the insured person during the term.

Because a term life policy costs less than a whole life policy, and because many policyholders' financial obligations are limited in time (for example, raising children), a term life policy makes the most sense for many people.
10 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
Coverage questions
Life insurance is not one-size-fits-all. It's essential to consider your unique financial and personal situation (such as assets, debts, and future plans) when deciding how much life insurance you should have.
We recommend
in coverage over years
.
Term life insurance policies last for a specific amount of time (your term) and the death benefit is only payable to beneficiaries upon the death of the insured person during the term.

Because a term life policy costs less than a whole life policy, and because many policyholders' financial obligations are limited in time (for example, raising children), a term life policy makes the most sense for many people.
Your estimated rate is
to per month.
Income replacement
We recommend you multiply your yearly salary by 10-12x.
$0
Total Debt
This amount should include the balance of your mortgage along with any car loans and outstanding consumer debt you have.
$0
College Tuition
The average cost of an in-state public university is around $25k per year. You'll want to take that number and multiply it by four and then by the number of children you have.
$0
Burial Cost
The average cost for a standard funeral falls between $7k and $10k.
$0
Please note that all prices quoted are subject to change, including due to underwriting.
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Rated A+ by Better Business Bureau
Rated 4.5 on Trustpilot
Why Ethos?
No medical exam life insurance
No medical exams
Our 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests. What traditionally took weeks can now be done in minutes, giving you more time to focus on what matters – the reason you bought life insurance in the first place.
instant life insurance
Same-day coverage
Because of our expedited process, most customers enjoy same-day coverage. That means you can go from applying to protecting your family in a matter of minutes. That’s how easy life insurance with Ethos is.
Affordable policies
Affordable policies
Once your application is submitted, we’ll process the information to provide you a quick (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.
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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.
How Ethos works

Here at Ethos, we take pride in providing a faster, better, and easier life insurance experience for you and your loved ones. Our mission is to protect the next million families and we intend to do just that with an honest and transparent process. Take a look at how it works.

Peace of mind for the price of a nice dinner

In just ten minutes, you could qualify for a policy that could protect your family for decades.

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Top-rated by customers
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"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.6/5 stars from customer reviews.
BBB
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
Google
4.8/5 stars on Google
Ethos also earned a stellar rating of 4.8 out of 5 stars on Google based on average customer reviews.
See what verified customers say on Trustpilot
Backed by giants

Ethos works with top-rated life insurance companies like Legal & General America, AAA Life, Ameritas Life Insurance Corp., and TruStage®. Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the industry giants that have paid out billions of dollars in claims.

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Frequently asked questions
What does life insurance cover?

It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout. Learn more about how it works.

Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. You can still apply for life insurance online with Ethos. If your application is approved, you’ll be considered covered as soon as your first premium payment is made. Learn more

But I have insurance through my employer, isn't that enough?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work. Learn more

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.

What kind of life insurance does Ethos offer?

We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $1.5 million, depending on what you qualify for. Learn more about our policies here.

How do I know that Ethos is legit?

Our policies are backed by industry giants who have been around for centuries and are top-rated for financial strength and stability. You get both the reassurance that your policy will withstand the test of time, plus the simplicity and ease of use of a modern tech company. Learn more about our carriers here.

Does Ethos require a long-term commitment?

Absolutely not. Our application is non-binding, 100% free, and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy.

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Take the first step towards protecting your family and apply for life insurance online with Ethos—with no obligation. It's free and won't affect your credit score.
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© 2022 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.