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Get instant life insurance from an
Ethos Agent

Get instant life insurance from an Ethos Agent

No medical exams or blood tests.
Starting from $7/month.
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Schedule a call with an Ethos representative!

Ethos agent

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If you’re not quite ready to begin the application process or if you require further information, don’t hesitate to submit a contact request.

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The ease of getting insurance
with an Ethos agent

The ease of getting insurance with an Ethos agent

Our modern, 100% online experience makes
applying super fast and stress-free.

Coverage up to $2M with no medical exam. Just answer a few simple health questions.

Free wills & estate plans. Eligibility depends on the product and state.

95% of qualified applicants get instantly approved in 10 minutes or less.

Flexible options to fit different budgets and needs because life insurance isn’t a one-size-fits-all solution.

Dedicated support from our team. We’re committed to helping you find the right coverage.

Get a 30-day money-back guarantee. If you’re not fully satisfied in the first 30 days, we’ll refund you in full.

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Backed by giants

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

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

Your top life insurance questions answered

Life Insurance

What is life insurance?

A way to provide for your family if something happens to you.

Life Insurance

How much life
insurance do I need?

We’ll help you decide. Try our calculator to start.

Life Insurance

How much does it cost?

It’s a monthly payment between about $7 and $x a month.

Your top life insurance questions answered

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 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)

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’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)

Does Ethos offer a 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.

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.
Take the first step towards protecting your family and apply for life insurance online with Ethos.
Get my Rates

Contact us

1606 Headway Circle,
#9013,
Austin, TX 78754,
(855) 237-0839

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© 2023 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. Trustpilot rating as of 3/31/23. Google rating as of 3/31/23. Prices start at $7/month based on a 20-year old female, healthy, non-smoking for a 10 year term and $100,000 policy.

Insuremecoverage. and its subsidiaries and affiliates (collectively, “Ethos”) make life insurance simpler for people to buy online. These Terms of Use (the “Terms”), including the Terms of Service attached below as Annex A (which are incorporated herein by reference with the same force and effect as though fully set forth herein), outline the rules and expectations that protect both you and Ethos. Our goal is to keep them simple and easy to understand. If there’s something you’re not sure about, please reach out to us.

Contact us

1606 Headway Circle,
#9013,
Austin, TX 78754,
(855) 237-0839

Facebook Instagram Twitter

© 2023 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. Trustpilot rating as of 3/31/23. Google rating as of 3/31/23. Prices start at $7/month based on a 20-year old female, healthy, non-smoking for a 10 year term and $100,000 policy.

Insuremecoverage and its subsidiaries and affiliates (collectively, “Ethos”) make life insurance simpler for people to buy online. These Terms of Use (the “Terms”), including the Terms of Service attached below as Annex A (which are incorporated herein by reference with the same force and effect as though fully set forth herein), outline the rules and expectations that protect both you and Ethos. Our goal is to keep them simple and easy to understand. If there’s something you’re not sure about, please reach out to us.

Ethos Technologies Inc. (Ethos) holds both Producer and Third Party Administrator (TPA) licenses in all applicable states. Our Producer licenses let us provide you with life insurance, while our TPA licenses allow us to assist you throughout the lifetime of your policy. In some states Ethos’ dba is Ethos Life Insurance Services.

  • Questions? Contact an Ethos agent
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