Protect what matters most.

Ethos is dedicated to providing instant and affordable life insurance to protect your loved ones from financial stress if something happens to you. In just minutes, you can apply for insurance coverage that can be used to help your family with mortgage payments, living expenses, college tuition, or whatever they may need.
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Why do I need life insurance?

Life insurance helps protect your family in case anything were to happen to you. Even if you don't have kids, a mortgage, or other large expenses, insurance helps protect your loved ones to cover personal debts, medical bills, and funeral expenses.

Life insurance through employers may not be enough. Employer-sponsored policies typically cover 1-2x your annual salary, but many financial experts recommend having about 10x that.

family
When should I buy life insurance?

Life insurance becomes more expensive as you age, so the sooner you buy it, the more affordable it will be. Applying today can help you lock in a low monthly rate. Some of the policies have level premiums, meaning what you pay today is what you pay 30 years from now.

peace of mind with life insurance
Why buy with Ethos?

With Ethos, you get the convenience of a modern technology company coupled with the reliability of century-old life insurance giants. Ethos uses technology like AI and machine learning to accelerate the life insurance process that used to take months into a 10-minute application you can do from the comfort of your home. We work with top-rated life insurance carriers like Legal & General America, AAA Life, Ameritas Life Insurance Corp., and TruStage® to match you with quality coverage you can trust.

The Ethos difference
No medical exam life insurance
No medical exams
Our 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests. What traditionally took weeks can now be done in minutes, giving you more time to focus on what matters – the reason you bought life insurance in the first place.
instant life insurance
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.
affordable prices
Affordable policies
You can tailor your policy to fit your budgets and your needs because we believe that life insurance isn’t a one-size-fits-all solution for your family. Get the policy that’s best for your family today.
no pushy agents
Honest advice. No up-selling.
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.
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The estimated monthly rate for this policy is:
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Coverage amount
$350000
 
 
 
Term length
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Please note that all prices quoted are subject to change, including due to underwriting.
Top-rated by customers
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"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.6/5 stars from customer reviews.
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A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
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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.
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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.

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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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