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.
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.
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, Ameritas Life Insurance Corp., and TruStage® to match you with quality coverage you can trust.
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
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
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.
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.
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.
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.