Easier. Faster. Better. That's life insurance the Ethos way.

No medical exams or blood tests, just answer a few health questions online. Get same-day coverage on affordable policies from our top-rated carriers in minutes.
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Used for estimate only.
The estimated monthly rate for this policy is:
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Coverage amount
$350000
 
 
 
Term length
10 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
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Your family gets financial security. You get peace of mind. There’s no reason to put it off any longer.
Why Ethos?
Fast
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.
Same-day coverage
Same-day coverage
Because of our expedited process, most customers enjoy same-day coverage. That means you can apply in minutes and start protecting your family all in the same day. That’s how easy life insurance with Ethos is.
Flexible, affordable policies
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.
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Policies on your terms
You don’t need to talk to an agent – unless you want to. Ethos' own agents are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.
Peace of mind for the price of a nice dinner

In just ten minutes, you could qualify for a policy that could protect your family for decades.

affordable protection
Top-rated by customers
Trustpilot
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.5/5 stars from customer reviews.
BBB
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
Google
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.
Backed by giants

Ethos works with top-rated life insurance companies like Legal & General America, AAA Life, Ameritas Life Insurance Corp., and TruStage®. Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the industry giants that have paid out billions of dollars in claims.

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How Ethos works
1
See your options
Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
2
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes
3
Get covered
Once your application is submitted, we’ll process the information to provide you a quick (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.
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.
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.

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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