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How does the client app
How does the client application process work?

You’ll provide your client with a link to the Ethos website, where they can start the online application. We’ll ask the client a few basic questions about themselves and their health. The client must provide all application responses. If approved, the policy is issued right away.

We try to make the process really simple, but if you or your client have any questions or need help, contact Ethos at [email protected].

Related Questions
Does Ethos offer agent
support?
Yes—we’re happy to assist and support you anytime.
Does Ethos own the client or the
relationship?
No, the agent owns the client relationship & Ethos owns the policy data and provides platform support. Ethos does not...
What talking points highlight Ethos’ carrier backing, financial strength, and claims-paying
ability?
When clients ask, "Is my policy safe with Ethos?" it is important to clarify that while they are buying through a.....
Why should I go to Ethos when I can directly go to the
carrier?
While our carriers are excellent partners, Ethos provides an integrated technology layer that a traditional direct.....
How do I become an Ethos
agent?
Selling policies through Ethos is a digital-first process designed for speed. Whether you are an independent producer...
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©2026 Ethos Technologies Inc. ("Ethos") Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at Our Life Insurance Carriers | Ethos Life. Products and their features may not be available in all states. Ethos provides its online wills, trusts, and estate planning documents and services through Ethos Estate Planning, LLC, a wholly-owned subsidiary. Ethos Estate Planning, LLC is not a law firm and does not provide financial, investment, legal, accounting or tax advice. Complimentary W&T services offered through the perks rider not available in WA and SD; W&T services not available in AK and LA.