The maximum amount of Guaranteed Issue Whole Life insurance coverage per insured is $25,000.00. Subject to age requirements and policy limit restrictions. 

This Guaranteed Issue Whole Life policy is referred to as graded benefit whole life insurance. If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%. After two years, the total amount of your coverage is paid for death due to any cause. 

If you are a California resident 65 years of age or older, we are required to advise you of the following. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You may wish to consult independent legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.

If you’re between the ages of 65 and 85, you’re guaranteed to be approved, regardless of any health issues. No medical exams, blood tests, health questions, or waiting. You’re covered as soon as you purchase the policy. 

Instant coverage – no exams, hassles, or waiting

You can apply and purchase your policy online in minutes (without the pressure of sales agents). But if you'd like the help of an experienced life insurance expert, our live U.S.-based team is ready to help!

Our process puts you in control

As long as you pay the premiums on time, this coverage will last your whole life. Your policy premiums are locked-in and will never go up.

Lifetime coverage and fixed premiums

Fill out the super quick online application, and you’re guaranteed to be approved instantly. No health questions or need to talk to an agent.

Apply in minutes 

Choose between $10K, $15K, $20K, and $25K in coverage. 

Choose your coverage 

Once you sign up for one of our flexible payment options and make your first payment, you’re covered for life.

Get covered

Rates are predetermined by age and gender

Quote Calculator

Give your loved ones a little extra help during a difficult time. A guaranteed lifetime insurance policy like this is designed to help your loved ones with final expenses such as medical bills, funeral costs, estate taxes, credit card debt or unpaid debt. When you pass, your family can expect to receive a cash benefit to use towards your final expenses. Note that this policy comes with a graded death benefit. **If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%.** After two years, the total amount of your coverage is paid for death due to any cause.

* You’re 65-85 years old and looking for $10-25k in coverage
* You want a simple process that doesn't require medical exams, lab tests, or health questions
* You thought you couldn’t get life insurance because of your age or health
* You want your policy to build cash value and have access to funds in an emergency 
* You don’t want your family to have to worry about your burial, funeral, debts, or final expenses

Ethos has an ‘Excellent’ rating from Trustpilot with 4.8/5 stars from customer reviews.

"Excellent” rating from Trustpilot

Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.

A+ rating from Better Business Bureau

Our life insurance experts are available to answer all your questions. You can call, email, or chat with us if you have questions or want honest advice. Our agents are experts in finding you the coverage that best suits your family’s needs.

* Email [support@ethoslife.com](mailto:support@ethoslife.com) anytime
* Call [(415) 915-0665](<tel:(415) 915-0665>) or text [(415) 702-1844](<tel:(415) 702-1844>)

If you’re 65-85 years old, you’re guaranteed to be approved in a matter of minutes, regardless of your medical history (and without medical exams). Get an online quote in seconds. Get covered in minutes.

Whole Life Insurance Policies | Ethos Life

Whole life policies - Test Variation 

Made getting life Insurance easy. Some thing I have been putting off for way too long because of the thought that I would have to jump through hoops.

Made getting life Insurance easy!

Easiest process I've used for applying for insurance, of any product!

Incredibly easy to do, intuitive, and the process was painless.

Easiest process I've used for applying…

Having been in the life insurance industry for many years, I couldn't believe how easy and fast this buying process was. I am in my 40's and purchased a $500,000 30 year term with no physical. The price was great, the process was easy, what's not to like.

Fast, easy and affordable

Simple, easy, quick coverage! I had gone back and forth with another company for weeks for less, more expensive coverage and then heard of you guys! I was qualified and covered within a few minutes! Thank you!

The estimated monthly rate for this policy is: