Life is unpredictable. Life insurance isn't.

You can’t control how or when you pass, but you can help control your family’s financial stability after you're gone. Ethos is a fast (sign up online in as little as 10 minutes), easy (no medical exam, just a few health questions), and affordable (costs as much as a coffee a day) way to protect your loved ones.
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Top-rated by customers
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.5/5 stars from customer reviews.
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
4.5/5 stars on Google
Ethos also earned a stellar rating of 4.5 out of 5 stars on Google based on average customer reviews.
Peace of mind for the cost of a coffee


  • Most people think life insurance costs 3x what it actually does, when in reality, life insurance is the lowest it's been in 20 years.
  • Dying costs more than ever. It costs between $3,000 and $15,000 just for cremation/burial.
  • 7 in 10 households would be bankrupt in months if they lost their primary breadwinner.
  • With Ethos, $1 million in coverage starts as low as $1 a day.

Pricing is based on factors like your age, lifestyle, and health, but only takes minutes to find out with Ethos.

peace of mind with life insurance
How it works
100% online process
All you have to do is answer a few health questions - no medical exams necessary to set up. What traditionally took weeks can now be done in minutes.
No sales agents
No sales agents
You don’t need to talk to an agent – unless you want to. Ours are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.
No medical exams
No medical exams
At Ethos, no blood tests or medical exams are required for policies under $1 million - simply answer a few health questions.
Same-day coverage
Same-day coverage
Because of our expedited process, most customers enjoy same-day coverage. That means you can go from applying to protecting your family in a matter of minutes. That’s how easy life insurance with Ethos is.
Our Mission - Why Ethos?

We believe everyone has a right to affordably protect their family's financial security should the unexpected happen. That’s why we have made insurance accessible to everyone, regardless of gender, race, or income. Our goal is to make the entire process as simple, transparent, and efficient as possible so your family doesn’t have to go another day without the protection of life insurance.

Get a quote
See a range of personalized price estimates in seconds.
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Used for estimate only.
Explore your options
Adjust the coverage amount and term length 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.
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Frequently asked questions
What does 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

But I have insurance through my employer, isn't that enough?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work. Learn more

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.

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 $50K to $1 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 industry giants who have been around for centuries and are top-rated for financial strength and stability. 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.
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