Whole Life Insurance Policies

Why people love it

Get covered for life in minutes.

AAA Life: An ‘Excellent’ carrier

AAA Life Insurance Company has a rating of A (Excellent), the 3rd highest ranking out of 15, by A.M. Best Company as of August 2020. They have paid out more than $3 billion in claims over 50 years.

Instant coverage – no exams, hassles, or waiting

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.

Our process puts you in control

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!

Lifetime coverage and fixed premiums

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.

How it works

Apply in minutes

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 now →

Choose your coverage

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

Get covered

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

Explore your options

Choose the coverage amount and price that works for you. Then purchase online in minutes and get covered instantly.

The estimated monthly rate for this policy is:

From

Coverage amount

$100,000

Term length

10 years

Rates are predetermined by age and gender

Help protect loved ones from the burden of final expenses

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.

This coverage might be right for you if:
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

Learn more about this policy

Top-rated by customers

"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.

BBB profile →

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Honest Advice. No pushy salespeople.

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 team is non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.

Email support@ethoslife.com anytime
Call (415) 915-0665 or text (415) 702-1844

Get started

See how easy and affordable it is to get covered.

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