No medical exams, no blood tests – apply online to get covered today
Life insurance helps you leave your loved ones with some extra money when the time comes, to cover things like funeral expenses, outstanding loans, or anything else they might need the money for.
And while many life insurance companies don’t cover seniors, Ethos guarantees a policy for anyone 66-85 years old. You’ll 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.
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.
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.
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
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.
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.
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.
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.