You're one of the lucky ones.

77% of American households have some type of debt, amounting on average to around $153k. Additionally, 22% of Americans with life insurance believe that they need more.

In either of these scenarios, life insurance can help. Whether you're looking to protect your loved ones from burden of your debt, or you're just interested in comparing our prices to an existing policy, you can apply for life insurance through Ethos in just a few minutes and, if approved, you could be covered instantly.

Why Ethos?
Here's why thousands of families have chosen Ethos to protect their loved ones:
No medical exams
Our application process is 100% online, meaning you only have to answer a few health questions instead of taking medical exams or blood tests.
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
We believe that life insurance isn’t a one-size-fits-all solution for your family. That's why we offer a variety of policy options, so you can tailor your coverage to fit your budgets and your needs.
Honest advice. No upselling
You don’t need to talk to an agent – unless you want to. Our life insurance specialists are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.
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.

Top-rated by customers
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.6/5 stars from customer reviews.
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
4.6/5 stars on Google
Ethos also earned a stellar rating of 4.5 out of 5 stars on Google based on average customer reviews.
Frequently asked questions
What does life insurance cover?

Your policy can help your loved ones in their greatest time of need. 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.

When should I get life insurance?

Life insurance rates increase as you age, so the sooner you get it, the lower your premium will likely be. Applying soon means you can lock in your lowest rate. Owning life insurance is important if you have just purchased a home and need to cover the mortgage, if you've recently had a baby or have plans to in the future, or if you would like to provide income replacement for your family in the event of your untimely death.

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 if I have a policy through my employer?

You may already have some life insurance coverage from your employer. However, that policy might only provide a fraction of the coverage you actually need. Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that is about 10X your salary. This disparity can result in a large gap in protection if you’re solely relying on your policy through work—which is why many people buy individual term policies to supplement the coverage you receive through work. Learn more

Get started
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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