www.ethoslife.com Open in urlscan Pro
18.164.124.123  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Ethos Logo
Start applying

Life insurance
Life insurance 101

A handy guide to life insurance.
Learn more
Life insurance
No medical exam life insurance
Life insurance rates by age
$500K life insurance
$1 million life insurance
Term life
Term life insurance
10 year term life insurance
20 year term life insurance
30 year term life insurance
Whole life
Whole life insurance
Guaranteed whole life insurance
Understanding whole life insurance
Permanent and whole life insurance
Final expenses
End of life expenses
Burial insurance
Resources
How much life insurance do I need?
How is life insurance cost determined?
Life insurance coverage calculator
Life insurance blog
Free wills & estate plans
Wills & estate plans 101
Free will with life insurance
Why Ethos
Why Ethos
How Ethos works
Customer reviews
Agents
Ethos for agents
Join as an agent
Log in as an agent
FAQs
FAQs
Complete guide to life insurance
Coverage calculator
Contact us
Blog
Start applying
Account
Search
ethos-logo-Eethos-logo-Tethos-logo-Hethos-logo-Oethos-logo-S
Start applying
Ethos Logo
Life insurance
Life insurance 101

A handy guide to life insurance.
Learn more
Life insurance

No medical exam life insurance
Life insurance rates by age
$500K life insurance
$1 million life insurance
Term life

Term life insurance
10 year term life insurance
20 year term life insurance
30 year term life insurance
Whole life

Whole life insurance
Guaranteed whole life insurance
Understanding whole life insurance
Permanent and whole life insurance
Final expenses

End of life expenses
Burial insurance
Resources

How much life insurance do I need?
How is life insurance cost determined?
Life insurance coverage calculator
Life insurance blog
Free wills & estate plans
Wills & estate plans
101

Why everybody needs a plan.
Free will with life
insurance

Why Ethos
Why
Ethos

Fast, easy life insurance you can trust.
How Ethos
works
Customer
reviews
Agents
Ethos for
agents

Grow your business with Ethos.
Join as an
agent
Log in as an
agent
FAQs
FAQs

Everything you need to know to make a plan.
Complete guide to life
insurance
Contact
us
Coverage
calculator
Blog
Want to know your real rate?
Start applying

LIFE INSURANCE
IN 5 MINUTES

$2M in coverage starts at $2/day

1,740 families approved today

No medical exams or blood tests

Get my rates


4.7/5
827 reviews
“Excellent prices for insurance policies...especially considering NO EXAM!”
Jim Harris
February 2022
4.8/5
1,500 reviews
“It took about 5 minutes and I was insured instantly for 1.2 million.”
Shirley Walker
February 2023
4.7/5
827 reviews
“Loved how easy it was to compare and customize the policy coverage amount.”
Mike Chapman
February 2022
4.8/5
1,500 reviews
“Love the bonus complimentary estate planning aids.”
K.L.
January 2023
4.7/5
827 reviews
“Ethos has brought me so much relief knowing my family will be taken care of.”
Georgia Oonkeo
March 2022


The #1 no-medical-exam, instant life insurance provider

The #1 no-medical-exam,
instant life insurance provider

Get covered
in 5 minutes

Up to $2 million
in coverage

Free will & trust
worth $898


Learn more

HOW IT WORKS:

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

1/3: Tell us about you
2/3: Get your recommendations
3/3: Start your coverage today

Get my rates
Do you have a will?
Ethos has you covered. Eligible policies include a free will & more worth $898.
Learn more

Life insurance made easy


See how Ethos is changing the way people buy life insurance.

Get my rates
Get my rates
 

Traditional life insurance
Traditional life insurance
Instant underwriting
Instant underwriting


No medical exams
No medical exams


Same-day coverage
Same-day coverage


Free legal will
Free legal will


Trusted carriers
Trusted carriers


Get my rates
Get my rates

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.

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.

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.

Who is eligible to apply?


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.

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.

Does Ethos offer a money-back guarantee?


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.

What makes Ethos different?


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.

Can I speak with a real person?


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.

See all FAQs
Learn more
Lock in your best price today

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.


Get my rates
Get my rates



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

Estate Planning Tools are available with the purchase of an eligible policy; not
available in SD or WA.

*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.

CONTACT US


1606 Headway Circle
#9013
Austin, TX 78754
(415) 915-0665
Email us


RESOURCES

Our policies
FAQs
Blog
Coverage Calculator
Life insurance 101
How it works
Account login
Sitemap

COMPANY

About us
Our carriers
Reviews
Careers
Press
Leadership
What's your Ethos? Podcast

PARTNERSHIPS

Ethos for Agents
Agent Login
Affiliate Program

LEGAL

Terms of Use
Privacy Policy
Data Security
Accessibility
Licenses
Do not sell
© 2024 Ethos Technologies Inc. Ethos operates in some states as Ethos Life
Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers
policies issued by the carriers listed at www.ethoslife.com/carriers. Products
and their features may not be available in all states. To help avoid requiring a
medical exam, our application asks certain health and lifestyle questions.


This site uses cookies and other technologies described in our Privacy Policy.
By using this site, you agree to our Terms of Use and Privacy Policy.

Your privacy is important to us. This site uses cookies and other technologies
to enable and improve functionality and marketing, analyze site use, and
generate analytics. See our Privacy Policy for details. By using this site, you
agree to our Terms of Use and Privacy Policy.