Life insurance that puts you first

grandfather and grandson walking
We do term 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 term life policy for you.

Flexible, affordable options

Ethos offers a wide range of coverage options, so you can design a policy that gives you the financial support you want at a price that works for you.

Price-lock guarantee

Every term life insurance policy we offer includes level premiums, which means that during your term, your premiums won’t become more expensive as your age or if your health changes.

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.

LGA: An industry-leading partner

Every policy we offer is insured by Legal & General America (LGA), a top-rated life insurance company. Legal & General America has issued over a million policies in the U.S. for more than 70 years and currently has $734 billion of coverage in force. LGA has achieved superior ratings according to several independent financial strength measures.

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94
Comdex score
A Comdex score is a composite of all the financial strength ratings a company has received, ranging from 0-100.
AA--
Very Strong S&P Global
S&P has rated the financial strength of insurance companies for over 40 years.
A+
Superior Rating A.M. Best
A.M. Best provides independent ratings of a life insurance company’s financial strength.
Top investors

Ehos is proud to be backed by leading investors including Jay-Z, Will Smith, Goldman Sachs, Google Ventures, Sequoia, and other top venture capital firms. They’ve put their money on us, so we can focus on you.

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High ratings

Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints. The BBB is a non-profit organization dedicated to promoting marketplace trust. Ethos also has an ‘Excellent’ rating from Trustpilot with 4.5 stars from customer reviews.

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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 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 term life insurance. Ethos provides an affordable term life option so people don't get stuck with whole life insurance 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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