Life insurance, the easy way
Protect your family’s financial future with straightforward, simple life insurance. With Ethos, you can get the coverage you need at a price you can afford.
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How we’re different
Ethos has changed the way thousands of people get life insurance.
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Fast, straightforward application
What used to take weeks can now be done in minutes. Our online application makes it easy to apply—without mounds of confusing paperwork.
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Flexible plans and prices
We offer a wide range of policy options for your budget. With Ethos, you can customize your term amount and length so you get the coverage you actually need. And you can renew your policy until you reach the age of 95.
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No upselling or hidden fees
Our team of agents is salaried, so you don’t have to worry about being upsold on an expensive policy by a commissioned salesperson.
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Price-lock guarantee
Since we offer level term policies, your rate is locked in for the entire duration of your term. It doesn’t become more expensive as you age or if your health changes.
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Money back guarantee
If you’re not happy with your policy in the first 30 days, we’ll refund your payment in full.
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Cancel anytime with no penalty
You can adjust or cancel your policy anytime, at no cost to you.
Peace of mind is more affordable than you think.

With Ethos, $1/ day can get your family $1 million.

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How Ethos works
Get covered in 3 simple steps.
Get an instant quote
Before you apply, get an instant, personalized quote with several flexible policy options to choose from. You can customize your coverage amount and term length to match your needs.
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward and can be completed in 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 plan with you and answer any questions.
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There’s no need to wait to talk to an agent. Compare quotes and coverage options instantly.
Built to last
Etho is backed by leading investors and industry giants.
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Trusted partners
We partner with Legal & General America, RGAX, Assurity Life Insurance Company, and MunichRe to provide you affordable coverage.
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Strong investors
Our investors include Jay-Z, Will Smith, Goldman Sachs, Google Ventures, Sequoia, and other top venture capital firms.
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Top ratings
Don’t just take it from us. We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints.
Need help getting started?

Our customer support team is happy to answer any questions you may have. Call or text us at (415) 702-1844 or email

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