$1M term life insurance: Rates, coverage, and more

Ethos makes it easy to apply for a life insurance policy that fits your needs. With coverage ranging from $100K to $1.5M, you can apply for a policy that protects your family and works with your budget.
Family At The Beach
How much is a million dollar life insurance policy?

Example monthly premiums for a healthy 40-year-old male and female, non-smoker. Ranging from 10 to 30 year term life insurance policies, Ethos can provide as much life insurance as you need at an affordable rate.

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Life insurance protects the ones you love most

Your life insurance 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.
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Fast, easy, free application
Our straightforward online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.
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Affordable, personalized coverage
We offer a wide variety of coverage options to fit your budget and give you the coverage you actually need.
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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.
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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.
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See estimated prices for $1M in life insurance coverage.
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© 2020 Ethos Technologies Inc. All rights reserved. Ethos Technologies Inc. operates in California and New York as Ethos Life Insurance Services (CA license #0L28949; NY license #LA-1554173; AR license #100164629). Ethos offers policies issued by Banner Life Insurance Company, a Legal & General America company as its carrier. (Banner Life products are distributed in 49 states and in DC. Banner Life products are not available in New York.) Ethos also offers policies issued by AAA Life Insurance Company which is licensed in all states except NY. (CA Certificate of Authority #07861.) Ethos also works with CMFG Life Insurance Company and TruStage Insurance Agency, LLC (TruStage Tracking Number: GEN-3258327.1-0920-1022). Ethos offers policies issued by Ameritas Life Insurance Corp. (not licensed in New York). Ameritas and Ethos are separate, independent entities. Products and their features may not be available in all states.