Get a will and life insurance all at once

$2M in coverage starts at $2/day

1,740 families approved today

No medical exams or blood tests

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Excellent trustpilot review
A+ BBB review
Google 4.7 stars review
How it works
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Life insurance, the easy way
Answer a few health questions instead of setting up medical exams and blood tests. What traditionally took weeks can now be done in minutes, 100% online.
A side of estate planning – for free
Our easy-to-use online tools allow you to prepare a full estate plan for a whopping $0. We’ll take you through the process step-by-step.
Affordable policies
Tailor your policy to fit your budget and needs. We believe that life insurance isn’t a one-size-fits-all solution for your family. Get the policy that’s best for your family today.
Honest advice. Non-pushy agents.
You don’t need to talk to an agent – unless you want to. Our agents are experts in finding you the coverage that best suits your family’s needs.
How Ethos works

Here at Ethos, we take pride in providing a faster, better, and easier life insurance experience for you and your loved ones. Our mission is to protect the next million families and we intend to do just that with an honest and transparent process. Take a look at how it works.

Top-rated by customers
"Excellent” rating from Trustpilot
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.8/5 stars from customer review
A+ rating from Better Business Bureau
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
Google reviews
4.7/5 stars on Google
Ethos also earned a stellar rating of 4.7 out of 5 stars on Google based on average customer reviews.
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Backed by giants

Ethos works with top-rated life insurance companies like Legal & General America, Ameritas Life Insurance Corp., and TruStage™. 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.

Ethos is backed by giants
What does life insurance cover?

It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout. Learn more about how it works.

What kind of life insurance does Ethos offer?

We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $2 million, depending on what you qualify for. Learn more about our policies here.

Why do I need a will and/or an estate plan?

Creating a will or estate plan is the easiest way to secure your family’s future. You can determine how you want your assets distributed, and select a guardian to care for your children if you were to pass away. Completing these documents can help you breathe easier and give you peace of mind.

I’m a policyholder. Where can I find the estate planning perks?

Depending on your current Ethos policy, you will be able to add the will and/or estate planning tools to your policy at no additional cost. Sign into your account to access this perk. Can’t find it? Our team can help! Upon policy activation, your estate plan tools will be available immediately.

Get started
Take the first step towards protecting your family and apply for life insurance online with Ethos—with no obligation. It's free and won't affect your credit score.