Fast, simple life insurance

When you have life insurance, your family is protected in case anything ever happens to you. Ethos makes it easy to apply for life insurance that fits your budget and gives you the coverage you need.

Father And His Son Playing
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.

No pushy agents or hidden fees

Our team of agents is salaried, so you don’t have to worry about being upsold on an expensive policy you don’t need.

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.

How it works
We’ve simplified the application process. Get covered in 3 simple steps.
Get an instant quote
Before you apply, get an instant, personalized quote with several flexible coverage options to choose from. You can customize your coverage amount and term length to match your needs.
Apply in minutes
After you choose your coverage, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes. We only ask what we need to know to evaluate your application.
Get covered
Our underwriters will review your application and send you your options. A licensed agent will reach out to review your coverage choices with you and answer any questions.
Quote calculator
Do you use nicotine products?
How is your health?
Start with an instant, personalized quote
There’s no need to wait to talk to an agent. You can get started now, with no obligations.