Our simple, transparent process makes it easy to find personalized coverage—without hassles or fees.
father holding his son
Why thousands of Americans choose Ethos
via Trustpilot
They made it extremely simple and easy…
They made it extremely simple and easy to apply. The process took much less time than the competition. Their representatives were cordial and friendly. The cost was a third less. I would highly recommend this company.
Mason E.
via Trustpilot
Getting life insurance was so easy…
Getting life insurance was so easy through Ethos. I’ve been procrastinating doing it for years because the whole process felt intimidating and confusing. Ethos cut right through all that and made it simple for me.
Laleh H.
via Trustpilot
Fast approval & great life insurance rates!
Extremely efficient easy application process & took less than a week for approval. Compared premiums from many insurance companies & Ethos Life had the best rates. Medical not required. HIGHLY RECOMMENDED!
Donald L.
via Trustpilot
They made it extremely simple and easy…
They made it extremely simple and easy to apply. The process took much less time than the competition. Their representatives were cordial and friendly. The cost was a third less. I would highly recommend this company.
Mason E.
via Trustpilot
Getting life insurance was so easy…
Getting life insurance was so easy through Ethos. I’ve been procrastinating doing it for years because the whole process felt intimidating and confusing. Ethos cut right through all that and made it simple for me.
Laleh H.
via Trustpilot
Fast approval & great life insurance rates!
Extremely efficient easy application process & took less than a week for approval. Compared premiums from many insurance companies & Ethos Life had the best rates. Medical not required. HIGHLY RECOMMENDED!
Donald L.
via Trustpilot
This was such a good experience looking…
This was such a good experience looking at insurance policy options. The experience working with the Ethos team was so simple and easy. In the end I was given options that exceeded my expectations and gave me peace of mind thay my wife is in good hands if something happened to me.
Roger H.
Insure your life. In 3 simple steps.
1
See your options
Before you apply, get an instant, personalized quote with flexible coverage options to choose from.
2
Apply in minutes
After you select your coverage, apply online. It’s simple, straightforward, and only takes about 10 minutes.
3
Get covered
After underwriters approve your application, our team of licensed experts will reach out to make any updates and activate your policy.
Why Ethos
Fast, straightforward application

Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, so you can focus on what matters. Most applicants don't even need a medical exam.

Expert advice

If you want help, our team of licensed agents is dedicated to finding you the right term life policy for you.

Flexible, affordable options

Ethos offers a wide range of coverage options, so you can design a policy that gives you the financial support you want at a price that works for you.

Price-lock guarantee

Every term life insurance policy we offer includes level premiums, which means that during your term, your premiums won’t become more expensive as your age or if your health changes.

Money-back guarantee

If you’re not happy with your policy in the first 30 days for any reason, we’ll refund your payment in full. No problem.

Cancel anytime

You can cancel your policy anytime, with no cancellation fees.

Frequently asked questions
If my partner has life insurance, do I also need it?

In many cases, yes. Make sure the person you share your life with would be taken care of if you passed away unexpectedly. Consider factors like shared debt, a home mortgage, your children’s college tuition (if you have or are planning to have kids), and any future financial plans. Buying a life insurance policy means your partner or spouse would be financially protected in case anything happens.

What if I have life insurance through work?

You may already have some life insurance coverage from your employer, but that policy might only provide a fraction of the coverage you actually need. Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that is about 10X your salary. This disparity can result in a large gap in protection—which is why many people buy individual term policies to supplement the coverage you receive through work.

What if I don’t work?

Even if you don’t provide an income, chances are you provide a measurable value to your family that they would have to replace if you passed away. Consider the free services that stay-at-home parents provide, like childcare and household chores, and how much it would cost to hire someone else to do them.

Get a quote
See a range of personalized price estimates in seconds.
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Explore your coverage options
Adjust the coverage amount and term length to find a plan you like. Then apply online (with no obligations) and get your real rate.
The estimated monthly rate for this policy is:
From
To
Coverage amount
$500,000
 
 
 
 
Term length
30 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
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