Life insurance, the human way.

We built Ethos to make it faster and easier to get term life insurance coverage. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

father and kids playing
VentureBeat
CNBC
Business Insider
The Wall Street Journal
Forbes
TechCrunch
Bloomberg logo
The Ethos difference
Here's how we differ from traditional insurance companies.
Make it simple icon
Easy
The traditional process can take weeks or even months due to unnecessary doctor appointments, medical exams, blood work, and meetings. With Ethos, you can apply online in minutes.
Hourglass icon
Quick
Get an online quote in seconds (without having to speak with anyone). Then choose your plan and apply in 10 minutes.
Dollars coins icon
Affordable
Ethos only offers term life insurance policies, which are around 20x less expensive than permanent life insurance. That way, we can provide the best coverage for your budget.
grandmother playing with grandkids
Coverage you can trust. Support when you need it.
Ask us anything, and we'll make sure the answer is focused on the same thing we are–you.
Hand map icon
We're here to help
Our licensed customer service specialists are here to help, not just to sell. All of our agents are non-commissioned, so you can rest assured you are getting non-biased recommendations for you and your family.
A plus icon
A+ rated
Ethos life insurance is rated "Excellent" with 4.6 stars on Trustpilot, and we've been rated A+ by the Better Business Bureau with zero customer complaints.
Trust icon
Backed by giants
We've partnered with some of the industry's largest and most respected companies to ensure the safety and reliability of the policies we offer, including Legal & General America, RGAX, Assurity Life Insurance Company, and MunichRe.
Want to learn more?
We know life insurance can seem confusing, but untangling the jargon doesn't have to be. Find out everything you want to know right here with our Definitive Guide To Life Insurance.
Apply in 3 easy steps.
It's never been easier to protect your family’s future.
1
Choose your coverage
Select a plan that works best for your family to get started.
2
Answer a few questions
Tell us a little bit about yourself in our straightforward online application.
3
Get your decision
After our underwriters review your application, we’ll present your options.
Term vs Permanent Life Insurance
There are a few key differences between term and permanent life insurance policies that can help you decide which type is right for you.
grandfather and grandson walking
You're in good company
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 Malphrus
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 Pula
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 Malphrus
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 Pula
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
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh