Coverage for the road ahead

Our whole life insurance gives you the freedom to enjoy every day knowing your family is better taken care of. Designed for ages 50 to 85.

Business Insider logo
Forbes logo
Fortune logo
For those who depend on you

Life insurance helps you leave your loved ones with some extra money when the time comes, to cover things like funeral expenses, outstanding loans, or anything else they might need the money for.

And while many life insurance companies don’t cover people over a certain age, Ethos guarantees a policy for anyone 50–85 years old. You’ll be approved in a matter of minutes, regardless of your medical history and without medical exams — all you have to do is answer a few health questions.

Depending on certain factors, you can expect a policy for up to $30,000, starting as low as $14 a month. And with a secure rate that will never increase, you’re covered for life.

mother kissing daughter's cheek
Why use Ethos
You’re guaranteed to get approved (instantly!)
Don’t let health issues or pre-existing conditions keep you from getting covered. All you need to do is answer a few health questions. Seriously.
Excellent customer service
Life insurance is an important purchase, and we're here to help. If you have any questions at all, you can call Ethos and speak with one of our licensed agents who are always there to help.
  • Phone: (415) 915-0665
  • Email:
  • Business hours: 8am—6pm CST
Free year of Legacy Assurance
As an added bonus, your policy includes a Perks Rider that provides a free, one-year membership to Legacy Assurance so you can get great rates on funeral-related items like caskets and urns.
Cancel any time
Each policy has a 30-day free look period with money-back guarantee. So if you aren't satisfied, you’re eligible for a full refund if you cancel within the first 30 days after purchase. (And after the first 30 days, you can still cancel your policy whenever you want to.)
Costs that never go up

Life insurance prices are a bit higher once you hit middle age, but the good news is that, once you purchase, your rates will never go up. As long as premiums are paid when due, the rate you see now will be locked in for as long as you have this insurance.

How it works
Apply in minutes
Fill out the super quick online application, and you’re guaranteed to be approved instantly. It’s that simple.
Get covered
Choose how much coverage you'd like (up to $30k, depending on eligibility). Depending on eligibility and state availability, your death benefit will either kick in immediately or after 2-3 years time to cover deaths from illness, disease, or old age. All accidental deaths are covered immediately.
Live life
You're covered for life, so you can stop worrying about life insurance and get back to what matters.
Top-rated by customers
"Excellent” rating from Trustpilot
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.8/5 stars from customer reviews
A+ rating from Better Business Bureau
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
4.7/5 stars on Google reviews
4.7/5 stars on Google
Ethos also earned a stellar rating of 4.7 out of 5 stars on Google based on average customer reviews.
Frequently asked questions
What does this life insurance cover?

These policies can help your loved ones cover expenses like funeral costs or outstanding loans, but they can also use it for anything else they'd like. There are no restrictions for what they can use the money for (whether groceries, gas, or even some fun nights out in memory of you); the insurance policy simply provides the funds and your beneficiaries can use them how they see fit.

Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. You can still apply for life insurance online with Ethos. When you’re approved, you’ll be considered covered as soon as your first premium payment is made. Learn more

Can I get covered with pre-existing conditions?

The short answer is yes. Millions of Americans have pre-existing medical conditions: these are health issues you had before you applied for coverage. With our whole life insurance for people 50–85, applicants are offered coverage and don’t have to undergo medical exams; they just have to answer a few health questions.

How much coverage can I get?

Our whole life policies for people 50–85 go up to $30k, depending on eligibility, and you can pick the right coverage amount that works for you.

How do I know I can trust Ethos?

Our policies are backed by established carriers — you get both the reassurance that your policy will withstand the test of time, plus the simplicity and convenience of a modern tech company. Learn more about our carriers here.

Does Ethos require a long-term commitment?

Absolutely not. Our application is 100% free and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you’re eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy.

Get started
Take the first step towards protecting your family and apply for life insurance online with Ethos—with no obligation. It's free and won't affect your credit score.