Life insurance with no medical exam (for most)
The majority of people who apply for personalized coverage don't need a medical exam.
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Used for estimate only.
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:

Coverage amount
Term length
10 years
Please note that all prices quoted are subject to change, including due to underwriting.
Why thousands of Americans choose Ethos
Ethos has redesigned the life insurance application process from start to finish to make it accessible and transparent for everyone. Because protecting your family should be this simple.
Fast, easy, free application

Our 100% online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.

Affordable, personalized coverage

We offer a wide variety of coverage options to fit your budget and give you the coverage you need.

Expert help if you need it

Our team of licensed agents makes you the #1 priority.

Money back guarantee

If you’re not happy with your policy or change your mind in the first 30 days, we’ll refund your payment in full.

No cancellation fees

You can cancel your coverage at any time, with no extra fees.

Industry-leading partners

We work with Legal & General America, Hannover, and Munich Re to offer you the best life insurance plan.

How it works
We’ve simplified the application process. Get covered in 3 simple steps.
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 5 minutes.
Get your decision
Our underwriters will review your application and present your options. It’s that simple.
Find out if you qualify for life insurance without a medical exam.

Our application is 100% free and won’t affect your credit score.

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Save yourself the hassle
Medical exams are a standard part of life insurance applications, but we know you’re busy. Our 100% online application is designed to save you time and keep you from running all over town.
Most of our applicants don’t need a medical exam

After you submit your application, our underwriters decide whether you can be fast-tracked to approval. Based on your unique situation, you might be asked to answer a couple follow-up questions or to get a medical exam. Only a small number of our applicants are asked to complete a medical exam, which is always convenient and free.

Why would I need a medical exam?

We only ask if it is absolutely necessary to evaluate your application. We work hard to make our application as simple as possible. But sometimes underwriters need a little more information about your health to make sure they can insure you.

What can I expect from a medical exam?

If our underwriters decide one is necessary, it will cost you nothing other than a few minutes of your time. Ethos partners with ExamOne to make your exam fast and simple. You can schedule your exam wherever it’s most convenient for you, like at home, work, or an ExamOne location near you.

The exam itself only takes a few minutes. It usually consists of a medical professional taking your physical measurements (height, weight, blood pressure) and collecting blood and urine samples for testing. Then you’re done! To keep the application moving along, complete your medical exam as soon as possible.

Tips to expedite your application
When you apply

Make sure to answer every question with as much detail and accuracy as possible up front. Keep the following information handy:

  • Driver license
  • Social security number (used to verify your identity)
  • Personal and family medical history
  • Current prescription information
After you apply

If you’re asked to answer any follow-up questions or get a medical exam, underwriting will be on hold until it’s completed. To keep things moving along, it’s a good idea to get all this done as soon as you can.

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Life Insurance 101
Learn all you need to know about life insurance and how to choose the best policy for your family.
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