Life insurance that puts you first.

With Ethos, people always come before profit.

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We’re changing the game
Fast, straightforward application

What used to take weeks can now be done in minutes. Our online application makes it easy to apply—without mounds of confusing paperwork.

Flexible plans and prices

We offer a wide range of policy options for your budget. With Ethos, you can customize your term amount and length so you get the coverage you actually need. And you can renew your policy until you reach the age of 95.

Money back guarantee

If you’re not happy with your policy in the first 30 days, we’ll refund your payment in full.

No upselling or hidden fees

Our team of agents is salaried, so you don’t have to worry about being upsold on an expensive policy by a commissioned salesperson.

Price-lock guarantee

Since we offer level term policies, your rate is locked in for the entire duration of your term. It doesn’t become more expensive as you age or if your health changes.

Cancel anytime

You can adjust or cancel your policy anytime, at no cost to you.

Backed by giants

To make sure your policy stands the test of time, we partner with some of the largest and respected insurance companies in the world, including Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re.

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Trusted by thousands

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.

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