Life insurance made easy.

Get a quote in seconds. Apply online in minutes. No need to talk to an agent (unless you want to). Get connected with top-rated carriers.
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THE ETHOS DIFFERENCE
Ethos is an easy, convenient way to get life insurance with honesty and transparency the whole way.
Simple & affordable

With our simple online application, you can protect your family in minutes.

  • Just $50 a month can get your family $700,000 in life insurance coverage.
  • That $700,000 can be used to pay off home loans, debts, pay for child care, living expenses, or anything else your loved ones need.
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(Quote based on a healthy, non-smoking 35-year-old female, for a Legal & General America 10-year term life insurance policy)
Why Ethos?
lock
Locked-in premium
Every term life insurance policy we offer includes level premiums, which means that during your term, your premiums won’t become more expensive as your age or if your health changes.
Flexible
Honest advice. No up-selling.
You don’t need to talk to an agent, unless you want to. Our team is ready to help anytime. We’re dedicated to helping you find the right coverage for you, not sell you on more.
Fast
Fast process (no medical exams for most)
Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, so you can focus on what matters. Most applicants don't even need a medical exam.
Money back
Money-back guarantee
If you’re not happy with your policy in the first 30 days for any reason, we’ll refund your payment in full. After that, you are also free to cancel your policy at any time if it doesn't work for you, with no cancellation fees.
Get a quote
See a range of personalized price estimates in seconds.
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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:
From
To
Coverage amount
$550,000
 
 
 
Term length
10 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
Top-rated by customers
Trustpilot
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.5/5 stars from customer reviews.
BBB
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
Google
4.5/5 stars on Google
Ethos also earned a stellar rating of 4.5 out of 5 stars on Google based on average customer reviews.
LGA: An industry-leading carrier

Legal & General America (LGA), is a top-rated life insurance company. Legal & General America has issued over a million policies in the U.S. for more than 70 years and currently has $734 billion of coverage in force. LGA has achieved superior ratings according to several independent financial strength measures.

giants
94
Comdex score
A Comdex score is a composite of all the financial strength ratings a company has received, ranging from 0-100.
AA-
Very Strong S&P Global
S&P has rated the financial strength of insurance companies for over 40 years.
A+
Superior Rating A.M. Best
A.M. Best provides independent ratings of a life insurance company’s financial strength.
See what verified customers say on Trustpilot
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!!
Wendell M.
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
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!
M. F. Cook
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!!
Wendell M.
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
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!
M. F. Cook
via Trustpilot
Great experience from start to finish
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping
Richard P.
Frequently asked questions
What does life insurance cover?

Your policy can help your loved ones in their greatest time of need. It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout.

Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. We’re not treating this any differently than we would any other illness or travel advisory. You can still apply for life insurance online with Ethos. If your application is approved, you’ll be considered covered as soon as your first premium payment is made. Learn more

Will my price go up?

All policies offered by Ethos have level premiums, meaning your price will never increase once you’ve locked in your initial rate—even as you age or if your health changes.

However, since life insurance becomes more expensive as you age, the sooner you buy it, the more affordable it will be. Applying today means you can lock in a low monthly rate and save the most money in the long run. Learn more

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.

What if I have a policy through my employer?

You may already have some life insurance coverage from your employer. However, that policy might only provide a fraction of the coverage you actually need. Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that is about 10X your salary. This disparity can result in a large gap in protection if you’re solely relying on your policy through work—which is why many people buy individual term policies to supplement the coverage you receive through work. Learn more

How Ethos works
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 covered
Once your application is submitted, we’ll process the information to provide you a quick (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.
Get started
Take the first step towards protecting your family and apply for life insurance online with Ethos—with no obligation. It's free and won't affect your credit score.
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