Customers get approved in as little as 5 minutes. You can purchase instantly or do it anytime in the next 30 days. Trustpilot rating as of 2/1/2024. Google rating as of 3/31/23. #1 rating is based on site visits according to Q1, 2023 SimilarWeb Data 1,740 is the average number of customers qualified for approval through Ethos on a daily basis. *For people ages 40 and over, the average rate increase is 10% every 6 months. For all people regardless of age, the average rate increase is 6% every 6 months. Once you purchase, your rate is the same your whole term.  **\*Not all policies are eligible to receive the Ethos Estate Planning perk and documents may not be available in all states. Your use of the estate planning documents is subject to the [Terms of Service](https://www.ethoslife.com/terms/) and [Privacy Policy](https://privacy.ethoslife.com/policies). Ethos Estate Planning is not a law firm and our products and services are not a substitute for the advice of an attorney. Questions? [Contact us.](https://www.ethoslife.com/contact-us/)**

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

Excellent prices for insurance policies...especially considering NO EXAM!

Jim Harris

It took about 5 minutes and I was insured instantly for 1.2 million.

Shirley Walker

Loved how easy it was to compare and customize the policy coverage amount.

Mike Chapman

Love the bonus complimentary estate planning aids.

K.L.

Ethos has brought me so much relief knowing my family will be taken care of.

Georgia Oonkeo

We calculate your rate in real time, so you can get covered in 5 minutes.

HOW IT WORKS:

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Ethos has you covered. Eligible policies include a free will & more worth $898.

Do you have a will?

Ethos Term Life Insurance

Traditional life insurance

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.](/how-it-works/)

What does life insurance cover?

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.](/insurance/life-insurance-policies/)

What kind of life insurance does Ethos offer?

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.](/life/employer-sponsored-life-insurance/)

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

Age: All U.S. citizens and permanent residents ages of 20-85 can apply for coverage with Ethos. If you’re 65 and under, you can own term coverage until age 80. If you are over 65, a guaranteed issue whole life insurance policy might be an easy way for you to get coverage quickly.
Location: Ethos is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.

Who is eligible to apply?

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](/app/needs) to help you determine your coverage needs.

How much life insurance do I need?

Yes. 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. You can cancel your policy by calling or emailing us, and requesting a surrender form for you to sign electronically. We will cancel your policy upon receipt, and there's never any cancellation fees.

Does Ethos offer a money-back guarantee?

We’ve built an industry-leading product that is transforming how people apply for life insurance. Our proprietary underwriting engine algorithmically assigns each customer to the appropriate product so applicants can get the coverage that best fits their unique needs as fast as possible. [Check your final, approved rates in a matter of minutes and get covered today.](/app/)

What makes Ethos different?

Yes—we’re happy to assist and support you anytime. You can get in touch with our customer success team by sending us an email at support@ethoslife.com.

Can I speak with a real person?

Over 40 years old? Your life insurance price will increase 10% every 6 months you wait to start coverage. With Ethos, getting covered only takes 5 minutes.

We built Ethos because we saw a problem: millions of people are underinsured. Our approach blends industry expertise, technology, and the human touch to find you the right term coverage to protect your loved ones.