Lock in your lowest rate
Since life insurance becomes more expensive as you age, the sooner you buy it, the more affordable it will be. Applying today means you can lock in a low monthly rate and save the most money in the long run.
rates by age
The cost of waiting

Generally, the earlier in life you buy a life insurance policy, the cheaper it is. Your premium rate is set when you sign the policy, and it won’t change during the term of the policy. But, as you get older, the cost of purchasing life insurance increases. Each year that you delay buying a life insurance policy, the cost of premiums increase by 8-12% on average.

For instance, a 40-year-old male, who is in good health and doesn’t smoke, could get a new, 20-year term policy with $1,000,000 of coverage for $2,172 a year. But if he waited a year and purchased the same policy at age 41 it would cost $2,340 a year —and $2,508 a year if purchased at age 42.

rates by age
Average term life insurance rates by age

To evaluate this price increase, we looked at our own policies. This chart shows the change in average life insurance rates for different age groups. The term life insurance quotes shown are for a 10-year term life insurance policy with a death benefit of $1,00,000 for applicants who are in good health.

A 35-year-old non-smoker could get this policy and pay a monthly premium of $65, whereas a 45-year-old non-smoker could pay a $135 monthly premium. In this example, purchasing your policy at age 35 instead of 45 could save you $840 per year over the life of your policy.

price chart
Common mistakes
Waiting until you have kids

A common myth is that you don't need life insurance until you have kids. Therefore many of us don't think about it until after getting pregnant or our kids are born. But this can cost you. Even if you don’t have a family to protect, life insurance can cover your personal debts, medical bills, and funeral expenses in the event of your passing.

Additionally, your health status is one of the most important factors in determining your premiums. The healthier you are, the less you’ll pay. As you get older and your health changes, you risk the chance of developing health issues (such as diabetes or cancer) that can lead to higher premiums and sometimes make it impossible to get coverage. Securing life insurance earlier in your life protects you, and whoever may depend on you, against any unexpected changes to your health down the road.

Relying on employer-sponsored coverage

Employer-provided life insurance is nice to have! But unfortunately, it rarely offers enough coverage. Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that is about 10X your salary. And any changes in your employment status (such as retiring, changing jobs, or getting laid off) likely means you’ll lose this policy as well. If one of these changes happens when you’re older—or after you’ve developed a health issue—it could be harder and more expensive to secure new coverage. Having a previously purchased policy to supplement your employer plan protects you and your loved ones against life's unexpected changes.

Get a quote
See a range of personalized price estimates in seconds.
Gender
Health
Nicotine use?
Explore your options
Adjust the coverage amount and term length to find a plan you like. Then apply online (with no obligations) and get your real rate.
The estimated monthly rate for this policy is:
From
To
Coverage amount
$550,000
 
 
 
Term length
10 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
How Ethos works
Ethos makes it easy to apply for a plan that protects the people you care about most.
1
Choose your coverage
Select the life insurance policy that’s right for you. Don’t worry, you can adjust this after you’re approved. Not sure how much coverage you need? Use our calculator.
2
Apply in minutes
After you choose your plan, complete our online application and answer questions about your age, health, medical history, and lifestyle. It’s simple, straightforward, and should only take about 10 minutes.
3
Get covered
After you submit your application, our underwriting technology analyzes your information in real-time so that we can get back to you faster. Most people get a decision instantly or within a few days, without having to take a medical exam.
A+ Rated and Backed by Giants

Ethos has excellent ratings and works with some of the largest and most respected insurance companies in the world to make sure your policy stands the test of time.

A+
See what verified customers say on Trustpilot
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 M.
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 P.
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 M.
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 P.
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
We're here to help
Our team of licensed, non-commissioned agents are happy to answer any questions you have.
Featured in
VentureBeat
Business Insider
CNBC
Bloomberg
Yahoo! Finance
Fortune
Forbes
TechCrunch
We use cookies to improve your experience on our site and collect data and personal information, all as described more fully in our privacy policy. By using our website, you agree to our use of cookies and our privacy policy.