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Do you use nicotine products?
How is your health?
Get a free online quote.
There’s no need to wait to talk to an agent. Compare quotes and policy options instantly.
Insure your life. In three simple steps.
Ethos makes it easy to apply for a plan that protects the people you care about most.
See your options
Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes.
Get your decision
Our underwriters will review your application and present your options. It’s that simple.
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 MunichRe to offer you the best life insurance plan.
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Need help getting started?
Our customer support team is happy to answer any questions you may have. Call or text us at (415) 322-2037 or email