What used to take weeks can now be done in minutes. Our online application makes it easy to apply—without mounds of confusing paperwork.
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.
If you’re not happy with your policy in the first 30 days, we’ll refund your payment in full.
Our team of agents is salaried, so you don’t have to worry about being upsold on an expensive policy by a commissioned salesperson.
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.
You can adjust or cancel your policy anytime, at no cost to you.
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.