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.

We’re here for life
With industry-leading partners and investors, Ethos is built to last.
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Trusted partners
We partner with Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re to provide you affordable coverage.
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Strong investors
Our investors include Jay-Z, Will Smith, Goldman Sachs, Google Ventures, Sequoia, and other top venture capital firms. They’ve put their money on us so we can focus on you.
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Top ratings
Don’t just take it from us. We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints.
Our origins

Our founders, Peter Colis and Lingke Wang, met at Stanford Business School and started Ethos in 2016 with the goal of making life insurance affordable, accessible, and straightforward. While Lingke was in college, he was upsold on an expensive life insurance policy he didn’t need. Eventually, he realized he wasn’t alone. Many Americans don’t know much about life insurance or have the right coverage. So Lingke and Peter set out on a mission to help people protect their families with affordable, easy life insurance.

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