Is your employer-sponsored life insurance enough?

You may have a life insurance policy provided by your employer, but it might not provide enough coverage for your family. Typical employer-sponsored policies only cover 1-2X your salary and end if you leave the company. By contrast, many experts recommend buying a policy worth 10X your annual salary to help your family cover income, outstanding debt, and your mortgage or housing costs.

Thinking about adding coverage to protect your family? Get an instant, personalized estimate for your coverage needs.

employer coverage vs what you need chart
*Recommended coverage based on a $100,000 salary.
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Insure your life. In three simple steps.
Ethos makes it easy to apply for a plan that protects the people you care about most.
1
See your options
Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
2
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes.
3
Get your decision
Our underwriters will review your application and present your options. It’s that simple.
The Ethos difference:
Here's how we differ from traditional insurance companies.
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Fast and easy process
We offer flexible policy options to fit your life, and our simple online application takes just a few minutes, not weeks. So you can get back to what’s important.
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People before profit
It’s our top priority to create a policy that’s tailored to your individual needs—always. Plus, our team of licensed agents is salaried, so you don’t have to worry about being upsold by a commissioned salesperson.
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Trusted by thousands
We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints. That’s why thousands of Americans choose Ethos.
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Industry-leading partners
We work with Legal & General America, RGAX, Assurity Life Insurance Company, and MunichRe to offer you the best life insurance plan.
Our commitment to you

Ethos was built with one goal: protect millions of families by providing access to affordable, straightforward life insurance. From streamlining the application process to offering flexible policy options, everything we do is centered on helping you protect your family. So you can get back to what matters.

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What people are saying
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 Malphrus
via Trustpilot
Easy Peasy
Great experience applying, paying and getting the policy. Top dollar at the best price on the market. Dont enter your ph # online for a quote and get 100s of calls for weeks on end. Just call Ethos!
Rob Addis
via Trustpilot
I absolutely LOVED working with ETHOS…
I absolutely LOVED working with ETHOS and this team. Most of my inquiries were responded to very quickly, and the answers were clear. Thanks Ethos. Having life insurance I can afford has definitely brought some peace of mind.
Konnie with a K
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 Malphrus
via Trustpilot
Easy Peasy
Great experience applying, paying and getting the policy. Top dollar at the best price on the market. Dont enter your ph # online for a quote and get 100s of calls for weeks on end. Just call Ethos!
Rob Addis
via Trustpilot
I absolutely LOVED working with ETHOS…
I absolutely LOVED working with ETHOS and this team. Most of my inquiries were responded to very quickly, and the answers were clear. Thanks Ethos. Having life insurance I can afford has definitely brought some peace of mind.
Konnie with a K
via Trustpilot
Opportunity
The opportunity given to me to get life insurance to protect my new mortgage at my age is astounding. I thank your company for this.
Lloyd Box