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 term life policy for you.
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.
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.
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.
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.
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.
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.
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.