Get a customized policy in 10 minutes!

I was able to get a $500,000 life policy for $32 per month, not just a quote like the other guys. This process is a game changer and took only 15 minutes. I never spoke with an agent, and was approved instantly. This really is the new way to buy life insurance. -John M., Phoenix, AZ

How does Ethos work?

The Ethos online wizard automates the underwriting process, whether it's getting quotes or an actual policy.

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.

Dedicated Support

Our team is available at any time to answer questions and help you activate your policy.

Why people love us!

A+ Rated Carriers

We work with the industry's top life insurance carriers with A+ (Superior) ratings from A.M. Best for insurer financial strength.

Guaranteed Coverage

95% of all applicants qualify for insurance and you're guaranteed to be approved if you're between the ages of 66 and 85.

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.

Flexible coverage

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

Fast process

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

Instant Coverage

Coverage starts the moment you make your first payment. Coverage lasts your lifetime if you keep up with the premiums.

What do YOU need?

The series of questions you'll answer will ensure you get a customized policy based on your personal situation, needs & goals.

  • Whole Life or Term Life
  • 10 year, 20 year, or Lifetime Coverage
  • $ Policy Coverage vs. $ Annual Premium
  • Beneficiary Protection vs. Investment

More Information about Life Insurance

How much does Insurance Cost?

All policies are underwritten based on the needs of the individual and family. There are numerous factors that help to determine the premiums, for example, your gender, age, location, health, coverage amount, all play a part in determining the cost.

Term Life vs. Whole Life

Term Life is exactly as it sounds, it is life insurance for a designated term, typically 10-30 years. While, Whole Life is insurance that will last the entirety of your life, your whole life.

What are Life Insurance Riders?

Riders are like an add-on. These are additional benefits that you can add to customize your policy. The most common include guaranteed insurability, accidental death, waiver of premium, family income benefit, accelerated death benefit, child term, long-term care, and return of premium riders.

tick No Medical Exam tick No Credit Check tick No Obligation tick Free 30-day Look