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 life insurance policy for you.
We analyze your information against our wide range of products in real-time, matching you to a policy that fits your needs with a price that works for you.
Our simplified underwriting process uses new technology and predictive modeling to provide instant decisions, with no medical exams for most people. When that isn’t possible, we’ve reduced the time you wait from months to days.
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.
The estimated monthly rate for this policy is:
As a licensed producer and third-party administrator, Ethos works with some of the industry’s top life insurance carriers and reinsurers to sell simple, affordable policies, including Legal & General America, AAA Life, and Munich Re. Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the industry giants that have paid out billions of dollars in claims.
Ethos is proud to be backed by leading investors, including Sequoia, Accel, GV, Goldman Sachs, and the investment funds of Jay-Z, Will Smith, Kevin Durant, Robert Downey, Jr., and others. They’ve put their money on us, so we can focus on you.
Our founders, Peter Colis and Lingke Wang, met at Stanford Business School and started Ethos in 2016 with the goal of making life insurance affordable, accessible, and straightforward. While Lingke was in college, he was upsold on an expensive life insurance policy he didn’t need and couldn’t afford. Eventually, he realized he wasn’t alone. Many Americans don’t know much about life insurance or have the right coverage to protect their families.
Traditionally, life insurance has been confusing, expensive, and time-consuming. Lingke and Peter wanted to change that—so they set out to help people protect their families with simple, affordable life insurance. Ethos provides an affordable life insurance option so people don't get stuck with policies they don't need.