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Check my price
Questions? Contact • •
Questions? Contact
No medical exams or blood tests, just a few health questions online. Get
same-day coverage on affordable policies from our trusted carriers in minutes.
Get my rate

  


works with Ethos to provide you with life insurance coverage in just minutes.
How it works
Step: 1

GET AN INSTANT QUOTE

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

Get a quote
Step: 2

APPLY IN UNDER 10 MINUTES

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

Apply now
Step: 3

GET COVERED

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

Apply now

For the price of a nice dinner

You can get up to $2M in coverage
Simple & affordable With our online application, you can protect your family in
minutes.
 * Life insurance isn't one-size-fits-all. Tailor your policy to fit your budget
   and your family's needs.
 * Coverage can be used to help pay off a home loan, debts, child care, tuition,
   or anything else your loved ones need.
 * 95% of applicants qualify, and rates start as low as $10 a month*

*Assumption: Healthy 24-year-old female, 10-year term life policy, $100,000 face
amount Apply Now   
Why Ethos?

DEDICATED SUPPORT

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

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.

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.


BACKED BY GIANTS

Ethos works with trusted life insurance companies like Legal & General America,
Ameritas Life Insurance Corp., TruStage Financial Group, Inc.*, and Senior Life
Insurance Company. Learn more about our carriers.

*Life insurance issued by CMFG Life Insurance Company and MEMBERS Life Insurance
Company


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.

» Learn more: Life Insurance 101 (PDF) | The cost of waiting (PDF)

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.

» Learn more: Term Life Insurance (PDF) | Whole Life Insurance (PDF)

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.

» Learn more: Life Insurance 101 (PDF)

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.

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.

» Learn more: Life Insurance 101 (PDF)

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.

» Learn more: Do I need life insurance? (PDF) | Life Insurance 101 (PDF)


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.

Find my rate
Contact us 5001 Plaza on the Lake
Suite 305
Austin, TX 78746
(415) 915-0665
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© 2022 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.