We do life insurance differently.
Fast, straightforward application

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.

Expert advice

If you want help, our team of licensed agents is dedicated to finding you the right life insurance policy for you.

Flexible, affordable options

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.

Automated & simplified underwriting

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.

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. No problem.

Cancel anytime

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

Backed by giants

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.

Top rated illustration
Trustpilot
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.5/5 stars from customer reviews.
BBB
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
Google
4.5/5 stars on Google
Ethos also earned a stellar rating of 4.5 out of 5 stars on Google based on average customer reviews.
Top investors

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.

Backed by giants image
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 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.

See what our customers are saying
via Trustpilot
They made it extremely simple and easy…
They made it extremely simple and easy to apply. The process took much less time than the competition. Their representatives were cordial and friendly. The cost was a third less. I would highly recommend this company.
Mason E.
via Trustpilot
Getting life insurance was so easy…
Getting life insurance was so easy through Ethos. I’ve been procrastinating doing it for years because the whole process felt intimidating and confusing. Ethos cut right through all that and made it simple for me.
Laleh H.
via Trustpilot
Fast approval & great life insurance rates!
Extremely efficient easy application process & took less than a week for approval. Compared premiums from many insurance companies & Ethos Life had the best rates. Medical not required. HIGHLY RECOMMENDED!
Donald L.
via Trustpilot
They made it extremely simple and easy…
They made it extremely simple and easy to apply. The process took much less time than the competition. Their representatives were cordial and friendly. The cost was a third less. I would highly recommend this company.
Mason E.
via Trustpilot
Getting life insurance was so easy…
Getting life insurance was so easy through Ethos. I’ve been procrastinating doing it for years because the whole process felt intimidating and confusing. Ethos cut right through all that and made it simple for me.
Laleh H.
via Trustpilot
Fast approval & great life insurance rates!
Extremely efficient easy application process & took less than a week for approval. Compared premiums from many insurance companies & Ethos Life had the best rates. Medical not required. HIGHLY RECOMMENDED!
Donald L.
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 H.
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