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.
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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.
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.
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
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.
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.
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.
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.