Whole life insurance policies

Whole life insurance helps you protect your loved ones. With Ethos, your approval is guaranteed and you can get covered instantly.
mother and daughter
What is whole life insurance?

Whole life insurance is designed to last for the rest of your life, and a payout is guaranteed at the time of death for your policy's beneficiaries.

Whole life insurance might be right for you if:

  • You want coverage for the rest of your life
  • You want your policy to build cash value over time
  • You're willing to pay higher premiums for these benefits
Our whole life insurance for seniors

For many people, age and health issues make it difficult to get access to life insurance. That’s why we offer whole life insurance. If you’re 66-85 years old, you’re guaranteed to be approved in a matter of minutes, regardless of your medical history (and without medical exams) – all you have to do is answer a few health questions. Depending on certain factors, you can expect a policy that ranges from $1k-$30k. And with a secure rate that will never increase, you’re covered for life.

Why people love it
Get covered for life in minutes.
You’re guaranteed to get approved
If you’re between the ages of 66 and 85, you’re guaranteed to be approved, regardless of any health issues – all you need to do is answer a few health questions. Seriously.
Coverage starts instantly
There’s no waiting. You’re covered as soon as you purchase the policy.
Your policy lasts for life
As long as you keep up with premiums, this coverage will last your whole life. When you turn 100, you no longer need to make payments, but the coverage will remain in force.
Help the whole way
Life insurance is an important purchase, and we're here to help. If you have any questions at all, you can call Ethos and speak with one of our licensed agents who are always there to help.
  • Phone: (415) 322-2037
  • Email: support@ethoslife.com
  • Business hours: 8am-6pm CST
How it works
Apply in minutes
Fill out the super quick online application, and you’re guaranteed to be approved instantly. It’s that simple.
Choose your coverage
Choose how much coverage you'd like (up to $30k, depending on eligibility). As long as you keep up with your premiums, you’ll be covered for life.
Get covered
Once you attach a credit card and make your first payment, you’re covered for life.
Get started with whole life insurance
Get a personalized whole life insurance quote in seconds and apply in minutes.
Nicotine use?
Explore your options
Choose the coverage amount and price that works for you. Then purchase online in minutes and get covered instantly.
The estimated monthly rate for this policy is:
Coverage amount
Term length
10 years
Please note that all prices quoted are subject to change, including due to underwriting.
We take privacy seriously. By using our site you agree to our privacy policy.
Life insurance underwritten by AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. Products and their features may not be available in all states. ©2020 AAA Life Insurance Company, All Rights Reserved. Guaranteed Issue Whole Life Insurance Policy Form Series: ICC16-6301/GWL6301 (In OR: ICC16-6301)The maximum amount of Guaranteed Issue Whole Life insurance coverage per insured is $25,000.00. Subject to age requirements and policy limit restrictions. This Guaranteed Issue Whole Life policy is referred to as graded benefit whole life insurance. If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%. After two years, the total amount of your coverage is paid for death due to any cause. If you are a California resident 65 years of age or older, we are required to advise you of the following. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You may wish to consult independent legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.