Our online life insurance policies

Term life policies provide coverage for a set number of years, or a “term.” We work with highly-rated carriers to bring you a variety of term lengths and coverage amounts for protection that fits your needs. Many policies include fixed monthly premiums that won’t increase over the terms — 100% online without a medical exam, just online health questions.

Permanent life insurance coverage lasts the rest of your life, rather than a set term, as long as your premiums are paid. We work with highly-rated carriers to provide several types of permanent life insurance: Whole Life, Guaranteed Acceptance Whole Life, and Indexed Universal Life.

Ethos has modernized the life insurance process. Through our partnerships with highly-ratedcarriers, you can access stable, dependable coverage options, all with the convenience of modern technology.\ \ Our online application is entirely digital, so you can get approved for coverage in minutes. We analyze your information in real-time to match you with the best possible coverage and rate available.\ \ And if you ever have questions, our team of licensed agents is always here to help.




- Rated A+ by the Better Business Bureau
- Received an "Excellent" rating from Trustpilot as well as 4.8/5 stars for customer reviews (as of 1/28/25).
- 4.5/5 stars on Google based on average customer reviews (as of 1/31/25).
