New year. Smarter you.

We built Ethos to make it faster and easier to get term life insurance. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

Not ready to start an application yet?
We can teach you everything you need to know about life insurance
Want to know more about life insurance?
Learn more about life insurance, how it works, and how to pick the best policy for your family.
Not sure how much life insurance you need?
Try our interactive needs calculator that will help you understand how much coverage you may need.
Estimate calculator
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There’s no need to wait to talk to an agent. Compare quotes and policy options instantly.
Life insurance protects their future.

If you were to pass away, your loved ones don't just lose you, they also lose the financial support you provide. A term life insurance policy can help your family maintain the lifestyle they've grown to love and provide long-lasting financial security. Your family can use the payout to help cover everyday living expenses and just about anything else they need, such as:

  • Funeral costs
  • Mortgage or housing costs
  • Medical expenses
  • Retirement income
  • Your student loans or children's college tuition
  • Debts
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The Ethos difference:
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Fast and easy process
We offer flexible policy options to fit your life, and our simple online application takes just a few minutes, not weeks. So you can get back to what’s important.
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People before profit
It’s our top priority to create a policy that’s tailored to your individual needs—always. Plus, our team of licensed agents is salaried, so you don’t have to worry about being upsold by a commissioned salesperson.
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Trusted by thousands
We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints. That’s why thousands of Americans choose Ethos.
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Industry-leading partners
We work with Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re to offer you the best life insurance plan.
How much can I expect it to cost?

The cost of your policy can vary based on several factors, including the term length and amount of coverage, in addition to your gender, age, health, and lifestyle.

With Ethos, you can customize your policy by choosing 10-30 year term lengths and $100,000- $1,000,000 in coverage. Your monthly rates stay the same throughout the entire duration of your term.

Sample price chart
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Why thousands of Americans choose Ethos
via Trustpilot
It was the easiest transaction ever
It was the easiest transaction ever! I loved getting this insurance policy! I still work full time and I saved a lot of time! Excellent!!
Wendell Malphrus
via Trustpilot
Great experience from start to finish
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping
Richard Pula
via Trustpilot
I loved working with Ethos
I loved working with Ethos. They are professional, timely, honest, and quick to respond to my questions and concerns. I was really pleased with the service I received through working with them. Thanks for helping me get insured, Ethos!
M. F. Cook
via Trustpilot
It was the easiest transaction ever
It was the easiest transaction ever! I loved getting this insurance policy! I still work full time and I saved a lot of time! Excellent!!
Wendell Malphrus
via Trustpilot
Great experience from start to finish
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping
Richard Pula
via Trustpilot
I loved working with Ethos
I loved working with Ethos. They are professional, timely, honest, and quick to respond to my questions and concerns. I was really pleased with the service I received through working with them. Thanks for helping me get insured, Ethos!
M. F. Cook
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
Our commitment to you

Ethos was built with one goal: protect millions of families by providing access to affordable, straightforward life insurance. From streamlining the application process to offering flexible policy options, everything we do is centered on helping you protect your family. So you can get back to what matters.

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