Simple, affordable term life insurance
We built Ethos to make it faster and easier to get term life insurance. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.
Get a quote
See a range of personalized price estimates in seconds.
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Explore your coverage 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
$500,000
 
 
 
 
Term length
30 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
Personalized coverage
With several term lengths and a wide range of coverage to choose from, your life insurance policy is on your terms. Every policy issued by Ethos includes level premiums, meaning your monthly payment will never increase during your term.
Several term lengths
  • Choose between 10, 15, 20, and 30-year terms.
Flexible coverage
  • Get anywhere from $100,000 to $1.5 million in protection.
Who can apply?
  • Any U.S. citizen age 20 – 65 are welcome to apply.
Bonus
  • All policies issued by Ethos include an accelerated death benefit rider.
What to consider

You can personalize your coverage by 1) choosing your term length and 2) choosing your coverage amount. Here are a couple things to think about:

  • You may want a term length that lasts until you retire, your children are grown and are no longer dependents, your mortgage is paid off, or you reach your savings goals.
  • You may want enough coverage that could cover your income, debt, mortgage, and your children’s college tuition.

Still not sure what you need? Try our Coverage Calculator to help you figure out what you need.

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The Ethos difference:
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Fast and easy process
We offer flexible policy options to fit your life, and our simple online application takes just a few minutes, not weeks. So you can get back to what’s important.
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People before profit
It’s our top priority to create a policy that’s tailored to your individual needs—always. Plus, our team of licensed agents is salaried, so you don’t have to worry about being upsold by a commissioned salesperson.
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Trusted by thousands
We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints. That’s why thousands of Americans choose Ethos.
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Industry-leading partners
We work with Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re to offer you the best life insurance plan.
Life insurance protects their future.

If you were to pass away, your loved ones don't just lose you, they also lose the financial support you provide. A term life insurance policy can help your family maintain the lifestyle they've grown to love and provide long-lasting financial security. Your family can use the payout to help cover everyday living expenses and just about anything else they need, such as:

  • Funeral costs
  • Mortgage or housing costs
  • Medical expenses
  • Retirement income
  • Your student loans or children's college tuition
  • Debts
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Insure your life. In 3 simple steps.
Ethos makes it easy to apply for a plan that protects the people you care about most.
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 your decision
Our underwriters will review your application and present your options. It’s that simple.
Need help getting started?

Our customer support team is happy to answer any questions you may have.

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Why thousands of Americans choose Ethos
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
I loved working with Ethos
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
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
I loved working with Ethos
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
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.
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