Life insurance designed with you in mind

Ethos makes it easy to apply for life insurance and protect your family’s financial future. What traditionally took weeks can now be done in minutes.
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Get a quote

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Used for estimate only.
Explore your options
Adjust the coverage amount and term length to find a plan you like. Then apply online (with no obligations) and get your real rate.

The estimated monthly rate for this policy is:

Coverage amount
Term length
10 years
Please note that all prices quoted are subject to change, including due to underwriting.
Get covered in 3 steps
Because protecting your family should be this simple.
See your options
Get an instant, personalized quote and customize your coverage amount to fit your needs.
Apply in minutes
After you choose your coverage, complete our online application. It’s simple, straightforward and can be completed in minutes.
Get covered
Our underwriters will review your application and if you’re approved, we’ll work with you to make sure you get the coverage you need.
Why thousands of families choose Ethos
Ethos makes life insurance accessible and straightforward for everyone.
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Fast, easy, free application
Our online application can be completed in minutes—without confusing paperwork or phone calls with agents.
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Affordable, personalized coverage
We offer a wide variety of coverage options to fit your budget and give you the coverage you need.
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Honest advice, non-pushy agents
You don’t need to talk to an agent – unless you want to. Our agents are experts in finding you the coverage that best suits your family’s needs.
Lock in your lowest rate

Life insurance premiums only increase as you age, so applying now means you can lock in your lowest rate. If you change your mind within the first 30 days, we’ll refund your payment in full. And with Ethos you can cancel your coverage anytime, with no cancellation fees.

Life Insurance Rates by Age
Life insurance rates by age chart
*Estimates based on a $1 million, 10-year policy for a healthy, non-smoking female.
Get started with an instant quote
No need to speak with an agent on the phone. Take the first step towards protecting your family’s future.
We’re here for life
With industry-leading partners and investors, Ethos is built to last.
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Trusted partners
We partner with industry leaders like Legal & General America, AAA Life Insurance Company, RGAX, Assurity Life Insurance Company, and Munich Re to provide you affordable coverage.
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Strong investors
Our investors include Google Ventures, Sequoia, Jay-Z, Will Smith, Goldman Sachs, and other top venture capital firms. They’ve put their money on us so we can focus on you.
Top ratings
Don’t just take it from us. We have an ‘Excellent’ rating from Trustpilot with 4.8 stars and an A+ rating from the Better Business with zero customer complaints.
Need help getting started?

Our customer support team is always happy to answer any questions you may have. Call us at (415) 915-0665 or email

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Want to learn more about life insurance?
Learn the basics and answers to common questions in our life insurance guide.