Life insurance and a free will in 15 minutes

$2M in coverage starts at $2/day

1,740 families approved today

No medical exams or blood tests

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Excellent trustpilot review
A+ BBB review
Google 4.7 stars review
Let’s check 2 things off your to-do list, today.

Life insurance policies through Ethos come with a free will. Give your family the protection they need all in one place.

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Wills are available with eligible policies only. Eligibility varies by product and state.
How it works
Our modern, 100% online experience makes life insurance and creating your will fast and easy.
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Get your life insurance rates
Answer a few simple health and lifestyle questions to get your rates. 100% online, no medical exams.
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Get insured
Our instant-decisions and same-day coverage means you’re protected fast (we mean, really fast.)
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Create your (free!) will
Once covered, we’ll walk you through our step-by-step guide in creating your free will.
57% of people experience physical or psychological stress when settling an estate.

A will can help prevent that.
Life insurance + a will = peace of mind
Get everything you need to be prepared with life insurance and a free will through Ethos.
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Give your family income for years
Help loved ones maintain their lifestyle by providing an income even after you pass away.
Help your children secure their future
Help your children secure their future by making sure they have a financial safety net.
Choose your children’s guardians
Choose a person to take care of your children if you pass away.
Decide where your things go
Decide who gets property and other assets when you pass away.
Life insurance through work typically only provides 10% to 20% of the coverage you need.
It's written in the (4.8) stars
Don’t take our word for it, see what families have to say about Ethos

$65 billion++

Coverage provided


Customers approved

What does life insurance cover?

It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout. Learn more about how it works.

What kind of life insurance does Ethos offer?

We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $2 million, depending on what you qualify for. Learn more about our policies here.

Why do I need a will and/or an estate plan?

Creating a will or estate plan is the easiest way to secure your family’s future. You can determine how you want your assets distributed, and select a guardian to care for your children if you were to pass away. Completing these documents can help you breathe easier and give you peace of mind.

I’m a policyholder. Where can I find the estate planning perks?

Depending on your current Ethos policy, you will be able to add the will and/or estate planning tools to your policy at no additional cost. Sign into your account to access this perk. Can’t find it? Our team can help! Upon policy activation, your estate plan tools will be available immediately.

There's never been a better time than now.

We know this stuff can be hard. We’ll guide through the process to make sure you have everything you need to be prepared.