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How much $1M in coverage can cost
Example premiums for a healthy 40-year-old male and female, non-smoker.
Life insurance protects the ones you love most
Your coverage can help secure your family’s financial future and can help cover living expenses, debt, mortgage payments, education, and more.
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How much coverage do you need?
Debt + Income + Mortgage + Education= Total
$1 million in coverage can go a long way towards protecting your family should something unexpected happen to you. Many experts recommend having at least 10X your annual salary in coverage. You can also use the DIME formula as a starting point in calculating your life insurance needs. DIME is an acronym for Debt, Income, Mortgage and Education.
- Debt -Total monetary value of all debt (student loans, credit cards, etc.)
- Income - Income replacement for needed years ($50,000 salary x 10 years = $500,000)
- Mortgage - Mortgage balances or housing costs
- Education - Anticipated amount of funds to pay your child’s tuition
Why thousands of Americans choose Ethos
Ethos makes it easy to apply for life insurance that’s tailored to your budget and coverage needs.
Fast, easy, free application
Our straightforward 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 actually need.
No pushy agents or hidden fees
Our team of agents is salaried, so you don’t have to worry about dealing with commissioned sales agents.
Cancel easily
If you change your mind within the first 30 days of activating your coverage, we’ll refund your payment in full. And with Ethos, you can cancel your policy anytime with no extra fees.
Get started with an instant, personalized quote
See estimated prices for $1M in coverage.