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.
Our policies are insured by established life insurance companies like Legal & General America, Ameritas Life Insurance Corp., Principal, and TruStage®. By combining our streamlined application process with their coverage, we've been able to shrink the application process down to just minutes, compared to the weeks traditional applications require. You get the dependability of major insurers and the convenience of a modern technology company.
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.