Whole Life Insurance Policies

Get guaranteed approval on a whole life insurance policy through Ethos and instantly secure a lifetime of coverage.
mother and daughter
What is whole life insurance?

Whole life insurance can last the rest of your life with a guaranteed payout for your loved ones.

Whole life insurance may be a great fit for you if: 

  • You want coverage for the rest of your life
  • You want a policy to build cash value over time
  • You want to invest for a long-term benefit
Our whole life insurance for seniors

We’re striving to make getting whole life insurance simpler, faster, and just plain easier here. Ethos offers whole life insurance with guaranteed approval in a matter of minutes for those ages 66 to 85, no matter your health history. With no medical exams, simply answer a few health questions to help determine the rate on your guaranteed coverage. Policies range from $1,000 to $30,000 and feature a secure rate that never increases, covering you for life.

Why people love it
A 10-minute application for a lifetime of protection.
Guaranteed approval
You're guaranteed to be approved if you're between the ages of 66 and 85, no matter your medical history. Seriously. You'll need to answer a few health questions to help determine your rate and, once approved, coverage is guaranteed for life.
Instant coverage
Coverage starts the moment you make your first payment.
Your policy lasts for life
Coverage lasts your lifetime if you keep up with the premiums. When you turn 100, the coverage remains in full without the need to make payments.
Help at every step
Ethos knows whole life insurance is a significant decision, so we make it easy to get answers. Our licensed agents are a quick call away whenever you have a question. Ethos is here to help.
  • Phone: (415) 915-0665
  • Email: support@ethoslife.com
  • Business hours: 8 a.m. - 6 p.m. CST
How Ethos works
Apply in minutes
Fill out a super-quick online application for guaranteed instant approval. Really, it's guaranteed.
Choose your coverage
Select your coverage level up to $30,000, depending on eligibility, and keep up with your premiums for lifetime coverage.
Get instant online life insurance
Make your first payment with a credit card, and your lifetime coverage starts instantly.
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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.