Life insurance made easy.

No medical exams or blood tests, just answer a few health questions online. Get same-day coverage on affordable policies from our top-rated carriers in minutes. No need to talk to an agent (unless you want to).

Why Ethos?

No medical exams

At Ethos, no blood tests or medical exams are required for policies under $1 million - simply answer a few health questions online.

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.

100% online process

All you have to do is answer a few health questions - no medical exams necessary to set up. What traditionally took weeks can now be done in minutes.

Honest advice. No up-selling.

You don’t need to talk to an agent – unless you want to. Ours are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.

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"Excellent” rating from Trustpilot

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

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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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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.

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 $50K to $1 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.

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