Instant life insurance coverage
No medical exams, no blood tests – apply online to get covered today.
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Gender
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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 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.
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Rated A+ by Better Business Bureau
Rated 4.5 on Trustpilot
It's a win-win
Your family gets financial security. You get peace of mind. There’s no reason to put it off any longer.
Simple from start to finish

With Ethos, you can apply for term life insurance online in just about 10 minutes without talking to an agent (unless you want to—then we’re happy to help). We offer flexible coverage options you can personalize to fit your budget and coverage needs. And most people don’t even need a medical exam.

father and son
One monthly payment. All the peace of mind.

Every policy we offer includes level premiums, meaning your rate will never increase during your term. It’s kind of like a monthly subscription that promises your family financial protection in case something happens to you. And you can’t put a price tag on that kind of peace of mind.

family
Financial stability for their future

Owning life insurance can help your family cover the big things—like the costs of a mortgage, debt, and it can also replace your income. If you have children or plan on starting a family, life insurance can also help protect any future plans (like college) and help make sure your family can reach its ultimate goals.

kids
Plus, it's more affordable than you think.

With Ethos, $1 million in coverage starts as low as $1 a day.

price chart
Quotes for a 32-year old female non-smoker in good health with a 10-year term (as of 6/4/20).
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Coverage you can trust

We’ve teamed up with some of the industry’s top life insurance carriers like Legal & General America (LGA), AAA Life, Ameritas Life Insurance Corp., and TruStage®. Together, they’ve insured millions of Americans and have earned superior financial strength ratings across the board. Our advanced data technology matches customers with personalized life insurance, and we leave the actual insuring to the industry giants that have paid out billions of dollars in claims.

trusted
See what verified customers say on Trustpilot
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 M.
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
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 M.
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
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
Great experience from start to finish
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping
Richard P.
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