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.
★★★★★
4.8 · 6,000+ reviews on Trustpilot
Protect Your Family in 10 Minutes — No Exam, No Doctor
No medical exam. No sales calls.
Get covered in 10 minutes.
No Medical Exam
No Sales Calls
Guaranteed Coverage
Free 30-Day Look
25%
Get a customized policy in 10 minutes!
★ Join 6,000+ families already covered · Takes less than 2 minutes
50%
Life Insurance Basics
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Creating your Profile ⚙️
Building demographic information…
Setting Time Zone
Policy Suitability
Verifying Eligibility
Submitting your Profile
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You are Pre-Approved!
Complete your profile to get an insurance quote or policy.
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How does Ethos work?
The Ethos online wizard automates the underwriting process, whether it's getting quotes or an actual policy.
1
Get an Instant Quote
Answer a few simple questions and instantly see personalized coverage options tailored to your age, health, and needs — before you commit to anything.
2
Apply in Under 10 Minutes
Choose your plan and complete your application entirely online — no medical exam, no paperwork, no waiting rooms. Most applicants are approved instantly.
3
Coverage Starts Immediately
Once approved, your policy is active the moment you make your first payment. Our dedicated support team is always available to help you every step of the way.
Why people love us!
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.
What Our Customers Are Saying
★★★★★
4.8 out of 5 · 6,000+ reviews on Trustpilot
★★★★★
"I was skeptical at first — I'd been putting off life insurance for years. The whole process took about 8 minutes and I had coverage the same day. Couldn't believe how easy it was."
★★★★★
"As a nurse I know how important this is. No exam, no doctor visit, and I was approved instantly. The price was better than I expected too. Highly recommend to anyone on the fence."
★★★★★
"My wife and I both got covered in one afternoon. The questions were straightforward and we felt comfortable the entire time. No pushy sales calls — just a clean, simple process."
Ready to Protect Your Family?
Get your free quote in under 2 minutes — no obligation, no medical exam, and it won't affect your credit score.
No Medical Exam
No Credit Check
No Obligation
Free 30-day Look
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