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.
If you want help, our team of licensed agents is dedicated to finding you the right term life policy for you.
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.
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.
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.
You can cancel your policy anytime, with no cancellation fees.
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.
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.
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.