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. In fact, you can expect your premium to increase on average between 8 and 12% every year you wait ("How Age Affects Life Insurance", Investopedia). Applying today means you can lock in a low rate for a level term policy that’s guaranteed to not increase throughout your term period.

Get an instant, personalized estimate to see your most affordable coverage options.

Life Insurance Rates by Age
chart showing increasing cost of life insurance by age
*Estimates based on a $1 million, 10-year policy for a healthy, non-smoking female.
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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.
1
See your options
Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
2
Apply in minutes
After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes.
3
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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Here's what customers are saying
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!!
via Trustpilot
Very fast and easy
Very fast and easy, i didnt think i was the type of person to look into this yet but they made it so simple it was a no brainer. Im very happy i found them.
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!
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!!
via Trustpilot
Very fast and easy
Very fast and easy, i didnt think i was the type of person to look into this yet but they made it so simple it was a no brainer. Im very happy i found them.
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!
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
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 hello@ethoslife.com.
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