Our 100% online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.
We offer a wide variety of coverage options to fit your budget and give you the coverage you need.
Our team of agents is salaried, so you don’t have to worry about being upsold on an expensive policy by a commissioned salesperson.
If you’re not happy with your policy or change your mind in the first 30 days, we’ll refund your payment in full.
You can cancel your coverage at any time, with no extra fees.
We work with Legal & General America, Hannover, and Munich Re to offer you the best life insurance plan.
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.
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 at an affordable price.
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.
Make sure to answer every question with as much detail and accuracy as possible up front. Keep the following information handy:
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.