Life insurance that puts you first.
With Ethos, people always come before profit.
grandfather and grandson walking
We’re changing the game.
Fast, straightforward application

Our 100% online process makes getting covered quick and easy. What used to take weeks can now be done in minutes—so you can get back to what matters.

No upselling or hidden fees

Our team of agents is non-commissioned, so they have your best interest in mind. No more worrying about being upsold on an unnecessary and expensive policy by a commissioned salesperson.

Flexible plans and prices

We offer a wide range of policy options for your budget and needs. With Ethos, you can customize your term amount and length so you can get a plan that works for you and your loved ones.

Price-lock guarantee

Your premium won’t become more expensive as you age or if your health changes. The price you pay at the start of your policy is the same price you’ll be paying for the entire duration of your term.

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.

Cancel anytime

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

Trusted partners

Our partners are rated “Excellent” and “Superior” by A.M. Best, have paid out hundreds of millions of dollars in claims, and have literally been around longer than sliced bread.

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Strong investors

We’re backed by industry-leading investors like Sequoia Capital and Google Ventures— the same investors that have partnered with companies like Instagram, Spotify, and Airbnb.

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Top ratings

Don’t just take it from us. We have an ‘Excellent’ rating from Trustpilot with 4.6 stars and an A+ rating from the Better Business with zero customer complaints.

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Our origins

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. Eventually, he realized he wasn’t alone. Many Americans don’t know much about life insurance or have the right coverage. So Lingke and Peter set out on a mission to help people protect their families with affordable, easy life insurance.

Lingke talks about his life insurance story
Here's what our customers have to say.
via Trustpilot
Great experience from start to finish.
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping.
Richard
via Trustpilot
I have had a fantastic experience
I have had a fantastic experience from beginning to policy issue. Everything has been just as expected with proper expectations that were set from the beginning.
KJM
via Trustpilot
Communication was excellent.
Even when I got distracted and forgot to finalize everything, Ethos still worked with me to get it all figured out and finished. Very well set up process from beginning to end.
Rachelle
via Trustpilot
Great experience from start to finish.
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping.
Richard
via Trustpilot
I have had a fantastic experience
I have had a fantastic experience from beginning to policy issue. Everything has been just as expected with proper expectations that were set from the beginning.
KJM
via Trustpilot
Communication was excellent.
Even when I got distracted and forgot to finalize everything, Ethos still worked with me to get it all figured out and finished. Very well set up process from beginning to end.
Rachelle
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 Hoyt
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