Life insurance, the human way.

We built Ethos to make it faster and easier to get term life insurance. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

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Estimate your life insurance policy rate.

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Want to know more about life insurance?

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Apply now in minutes.

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Why thousands of Americans choose Ethos

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

Great experience from start to finish

Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping

Richard Pula

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 Malphrus

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 Pula

via Trustpilot

I loved working with Ethos

M. F. Cook

via Trustpilot

Quick, Honest, Stress Free

Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!

Josh

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Please note that all prices quoted are subject to change, including due to underwriting.

Life insurance protects their future.

If you were to pass away, your loved ones don't just lose you, they also lose the financial support you provide. A term life insurance policy can help your family maintain the lifestyle they've grown to love and provide long-lasting financial security. Your family can use the payout to help cover everyday living expenses and just about anything else they need, such as:

Funeral costs
Mortgage or housing costs
Medical expenses
Retirement income
Your student loans or children's college tuition
Debts

Insure your life. In 3 simple steps.

Ethos makes it easy to apply for a plan that protects the people you care about most.

See your options

Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.

Check my price→

Apply in minutes

After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 5 minutes.

Get your decision

Our underwriters will review your application and present your options. It’s that simple.

Need help getting started?

Our customer support team is happy to answer any questions you may have. Call us at (415) 915-0665 or email support@ethoslife.com .

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The Ethos difference:

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.

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.

Trusted by thousands.

We have an ‘Excellent’ rating from Trustpilot with 4.8 stars and an A+ rating from the Better Business with zero customer complaints. That’s why thousands of Americans choose Ethos.

Industry-leading partners.

We work with Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re to offer you the best life insurance plan.

How much can I expect it to cost?

The cost of your policy can vary based on several factors, including the term length and amount of coverage, in addition to your gender, age, health, and lifestyle.

With Ethos, you can customize your policy by choosing 10-30 year term lengths and $100,000- $1,000,000 in coverage. Your monthly rates stay the same throughout the entire duration of your term.

Sample monthly rates for a healthy 35-year-old female non-smoker

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.

Life insurance, the human way.

The estimated monthly rate for this policy is: