Two women embracing.
Get an instant online quote
Nicotine use?
Please note that all prices quoted are subject to change, including due to underwriting.
Get whole life coverage instantly
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.
Please note that all prices quoted are subject to change, including due to underwriting.
Business Insider
Protection for your loved ones

Many people want to leave their loved ones with some extra money to cover things like funeral expenses, outstanding loans, or even groceries or anything else their family members might need at that time.

And while many life insurance companies don’t cover seniors, Ethos guarantees a policy for anyone 66-85 years old. You’re guaranteed to be approved in a matter of minutes, regardless of your medical history and without medical exams – all you have to do is answer a few health questions.

Depending on certain factors, you can expect a policy for up to $30,000. And with a secure rate that will never increase, you’re covered for life.

What's so great about Ethos?
You’re guaranteed to get approved
If you’re between the ages of 66 and 85, you’re guaranteed to be approved, regardless of any health issues or pre-existing conditions – all you need to do is answer a few health questions. Seriously.
Same-day coverage
There’s no waiting, and you’re covered as soon as you purchase the policy.
Your policy lasts for life
As long as you keep up with premiums, this coverage will last your whole life. When you turn 100, you no longer need to make payments, but the coverage will remain in force.
customer service
Excellent customer service
Life insurance is an important purchase, and we're here to help. If you have any questions at all, you can call Ethos and speak with one of our licensed agents who are always there to help.
  • Phone: (415) 322-2037
  • Email:
  • Business hours: 8am-6pm CST
Costs that never go up

Life insurance prices are a bit higher for seniors, but the good news is that your rates will never go up. As long as premiums are paid when due, the rate you see now will be locked in for as long as you have this insurance.

price chart
See what customers say on Trustpilot
How it works
Apply in minutes
Fill out the super quick online application, and you’re guaranteed to be approved instantly. It’s that simple.
Choose your coverage
Choose how much coverage you'd like (up to $30k, depending on eligibility). As long as you keep up with your premiums, you’ll be covered for life.
Get covered
Once you attach a credit card and make your first payment, you’re covered for life.
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 4.6 out of 5 stars on Google based on average customer reviews.
Frequently asked questions
What does this life insurance cover?

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. Learn more about how it works.

Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. 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

Can I get covered with preexisting conditions?

The short answer is yes. Millions of Americans have pre-existing medical conditions: these are health issues you had before you applied for coverage. With our whole life insurance for seniors, most applicants are offered coverage and don’t have to undergo medical exams; they just have to answer a few health questions.

What kind of life insurance does Ethos offer?

We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $2 million, depending on what you qualify for. Learn more about our policies here.

How do I know that Ethos is legit?

Our policies are backed by established carriers – you get both the reassurance that your policy will withstand the test of time, plus the simplicity and ease of use of a modern tech company. Learn more about our carriers here.

Does Ethos require a long-term commitment?

Absolutely not. Our application is non-binding, 100% free, and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy.

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.
We take privacy seriously. By using our site you agree to our privacy policy.
Life insurance underwritten by AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. Products and their features may not be available in all states. ©2020 AAA Life Insurance Company, All Rights Reserved. Guaranteed Issue Whole Life Insurance Policy Form Series: ICC16-6301/GWL6301 (In OR: ICC16-6301)The maximum amount of Guaranteed Issue Whole Life insurance coverage per insured is $25,000.00. Subject to age requirements and policy limit restrictions. This Guaranteed Issue Whole Life policy is referred to as graded benefit whole life insurance. If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%. After two years, the total amount of your coverage is paid for death due to any cause. If you are a California resident 65 years of age or older, we are required to advise you of the following. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You may wish to consult independent legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.