Instant life insurance coverage

No medical exams, no blood tests – apply online to get covered today.

This tool is intended for estimation purposes only. Please reach out to our support team for specific questions.

Why Ethos?

No medical exams

Our 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests. What traditionally took weeks can now be done in minutes, giving you more time to focus on what matters – the reason you bought life insurance in the first place.

Same-day coverage

Because of our expedited process, most customers enjoy same-day coverage. That means you can go from applying to protecting your family in a matter of minutes. That’s how easy life insurance with Ethos is.

Affordable policies

You can tailor your policy to fit your budgets and your needs because 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.

Peace of mind for the price of a nice dinner

In just five minutes, you could qualify for a policy that could protect your family for decades.

Top-rated by customers

"Excellent” rating from Trustpilot

Ethos has an ‘Excellent’ rating from Trustpilot with 4.8/5 stars from customer review

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A+ rating from Better Business Bureau

Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.

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4.6/5 stars on Google

Ethos also earned a stellar rating of 4.6 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 Banner Life, 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.

Frequently asked questions

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.

Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. You can still apply for life insurance online with Ethos. If your application is approved, you’ll be considered covered as soon as your first premium payment is made. Learn more

But I have insurance through my employer, isn't that enough?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work. Learn more

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.

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.

How do I know that Ethos is legit?

Our policies are backed by industry giants who have been around for centuries and are top-rated for financial strength and stability. You get both the reassurance that your policy will withstand the test of time, plus the simplicity and ease of use of a modern tech company. Learn more about our carriers here.

Does Ethos require a long-term commitment?

Absolutely not. Our application is 100% free and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy.

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.

Instant life insurance coverage

Instant life insurance coverage

No medical exams, no blood tests – apply online to get covered today.

Get your estimate