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Instant life insurance coverage
No medical exams, no blood tests – apply online to get covered today.
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Get your estimate
Gender
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 length
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.
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
Affordable policies
You can tailor your policy to fit your budgets and your needs because we believe that life insurance isn’t a one-size-fits-all solution for your family. Get the policy that’s best for your family today.
no pushy agents
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.

Top-rated by customers
Trustpilot
"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.

giants
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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.