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  • Dedicated Support
  • Instant Approval
  • ​Easy To Use

Do You Want To Know How You Will Get life insurance coverage in just minutes?

How it works...


Get An Instant Quote

See your options with multiple personalized coverage plans to choose from before you apply.


Apply In Under 10 Minutes

Choose your plan and get coverage in about 10 minutes with no medical exam — just a few health questions.


Get Covered

I’m available to help you activate your policy once you get a final decision.


Why Ethos?

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Dedicated Support

Between me and the Ethos team, we’re committed to helping you find the right coverage.

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Flexible Coverage

Get anywhere from $20,000 to $2 million in life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.

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Fast Process

Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes.

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30-Day Free Look

Take your policy for a trial run with a 30-day money-back guarantee. If you’re not fully satisfied in the first 30 days, we’ll refund you in full.


Frequently Asked Questions...

How much does life insurance cost?

Most people overestimate the cost of life insurance by 300% or more . The cost varies based on your unique situation. The biggest factors that can affect your premium include your coverage amount, term length, age, health status, and tobacco use. The sooner you buy, the sooner you'll lock in your lowest premium–and save the most money in the long run.

What if I already have life insurance through my employer?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of what most families need. And if you leave your job, that coverage usually ends. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.

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.

What does life insurance cover?

Your life insurance can help cover some of life's biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it's up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free.

What's the difference between term and whole life insurance?

Term life insurance uses premiums to cover you for the determined "term" of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage. Whole life insurance lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.

Does Ethos offer 30-day free look period?

Yes. Our application is non-binding, 100% free, and it won't affect your credit score.

Additionally, each policy has a 30-day free look period. If you cancel the policy within the first 30 days, you will receive a full refund of premium paid. After 30 days, you may cancel your policy at any time without cancellation fees.

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