Life insurance made easy.

Get a quote in seconds. Apply online in minutes. No need to talk to an agent (unless you want to). Get connected with top-rated carriers.

THE ETHOS DIFFERENCE

Ethos is an easy, convenient way to get life insurance with honesty and transparency the whole way.

Fast process (no medical exams)

Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, so you can focus on what matters. No medical exams (just a few health questions) and nearly instant approval.

Honest advice. No up-selling.

You don’t need to talk to an agent, unless you want to. Our team is ready to help anytime. We’re dedicated to helping you find the right coverage for you, not sell you on more.

Flexible, affordable options

We analyze your information against our wide range of products in real-time, matching you to a policy that fits your needs with a price that works for you.

Money-back guarantee

If you’re not happy with your policy in the first 30 days for any reason, we’ll refund your payment in full. After that, you are also free to cancel your policy at any time if it doesn't work for you, with no cancellation fees.

Get an online quote in seconds

Top-rated by customers

"Excellent” rating from Trustpilot

Ethos has an ‘Excellent’ rating from Trustpilot with 4.8/5 stars from customer reviews.

Read reviews→

A+ rating from Better Business Bureau

Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.

BBB profile→

4.7/5 stars on Google

Ethos also earned a stellar rating of 4.7 out of 5 stars on Google based on average customer reviews.

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Backed by giants

Ethos works with top-rated life insurance companies like Legal & General America, 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.

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

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.

How Ethos works

Apply in minutes

100% online, with no medical exams (just a few health-related questions).

See your options

Select the plan that works best for you with multiple coverage options to choose from.

Get covered

Accept your offer. If approved, you can activate your coverage immediately.

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.

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.

Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. We’re not treating this any differently than we would any other illness or travel advisory. You can still apply for life insurance online with Ethos. If your application is approved, you’ll be considered covered as soon as your first premium payment is made. Learn more

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