Guaranteed issue whole life insurance

If you're between 65-85 years old, you're guaranteed to be approved. No health questions or medical exams necessary.

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Features and benefits of this coverage

Here's whats included with our whole life policies.
approval message on phone
Guaranteed approval
If you're between the ages of 65 and 85, you're guaranteed to be approved, regardless of any health issues. It's that simple.
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Affordable lifelong protection
As long as you keep up with your premiums, this coverage will last your whole life. Premiums are level, meaning they won't go up over the life of your policy. The quote you get today is the same as your final rate.
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Cash value
This policy builds cash value automatically. You can use this cash value for emergencies or to supplement retirement income by taking a tax-free policy loan against the cash value. Note that outstanding policy loans will decrease the amount of the death benefit paid to your beneficiaries.
How it works
Apply in minutes
Our simple online application process means you’ll be approved instantly. No health questions or medical exams needed.
Choose your coverage
Choose between $10K, $15K, $20K, and $25K in coverage. Once you lock in a monthly premium, it’ll stay the same during the life of your policy. Guaranteed.
Get covered instantly
Once you attach a credit card and make your first payment, you’re covered. Coverage is immediate and lasts your whole life.

Is this policy right for me?

This type of coverage is attractive to many because you can get approved and covered in a matter of minutes, and there are never any medical exams.
Guaranteed issue whole life insurance might be the right fit for you if:
  • You want a simple application process without medical exams or lab tests
  • You thought you couldn’t get life insurance because of your age or health
  • You want your policy to build cash value
  • You want coverage for the rest of your life
  • You don’t want your family to have to worry about your final expenses
  • You’re willing to pay a higher premium for the unique benefits of this coverage

Additional features and benefits

Graded death benefit

This policy comes with a graded death benefit, which means that if you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the premiums you paid, plus 30%. If death occurs after two years, then the total amount of your coverage is paid, minus any outstanding policy loans, regardless of the cause of death.

Help the whole way

Before you buy this policy, Ethos is available to help you with any questions you may have via phone, email, text, and chat.

We put people first
Ethos has stellar ratings from our customers and third-party reviewers:
"Excellent" rating from Trustpilot
"Excellent" rating from Trustpilot
Ethos has an 'Excellent' rating from Trustpilot with 4.8/5 stars from customer reviews.
A+ Rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
4.7/5 stars on Google
Ethos also earned a stellar rating of 4.7 out of 5 stars on Google based on average customer reviews.
Get started with life insurance.

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Used for estimate only.
Explore your options
Adjust the coverage amount 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.