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Life insurance

Affordable life insurance
with no medical exams. 100% online.

Best

Term Life

Trusted

Provider

What will happen with the people I love when my time is up? That's why I have life insurance.

David "Big Papi" Ortiz

MLB Hall of Famer

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

Get covered in 10 minutes

Get covered in 10 minutes

Up to $3 million in coverage

Up to $3 million in coverage

Free will & trust worth $898

Free will & trust worth $898

Your best price from multiple carriers

Your best price from multiple carriers

How it works:
We calculate your rate in real time, so you can get covered in 10 minutes.

Not sure where to begin?

If you're new to life insurance, you're not alone. Find answers to common questions here.

Life insurance made easy
See how Ethos is changing the way people buy life insurance.
 
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Traditionally sold life insurance
Instant underwriting
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No medical exams
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Same-day coverage
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Free legal will
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Free Wills & Trusts

We've simplified estate planning so you can take care of it from your phone. Our estate plans are free with life insurance or can be purchased separately.

Create Will

FAQs

Lock in your best price today
No matter how healthy you are, your life insurance price will increase 10% every 6 months you wait to start coverage. With Ethos, getting covered only takes 10 minutes.
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Contact Us
Mailing Address
1606 Headway Circle
#9013
Austin, TX 78754
(415) 915-0665
90 New Montgomery St
#1500
San Francisco, CA 94105
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©2026 Ethos Technologies Inc. ("Ethos") Ethos operates in some states as Ethos Life Insurance Services and/or Policy Bull. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at Our Life Insurance Carriers | Ethos Life. Products and their features may not be available in all states. Ethos provides its online wills, trusts, and estate planning documents and services through Ethos Estate Planning, LLC, a wholly-owned subsidiary. Ethos Estate Planning, LLC is not a law firm and does not provide financial, investment, legal, accounting or tax advice. Complimentary W&T services offered through the perks rider not available in WA and SD; W&T services not available in AK and LA.

Papi BTS photo credit: FOX Sports\ Trustpilot rating as of 4/2/2026.\ Google rating as of 1/6/2026.\ Best no exam life insurance according to Business Insider as of 3/2025.\ #1 estate planning rank as of 1/2025 on the App Store.\ Forbes Advisory as of 8/2025.

No medical exam, online health questions required.

Availability and execution requirements vary by state. $898 value refers to a will & trust for the policyholder and spouse.

Ethos provides its online wills, trusts, and estate planning documents and services through Ethos Estate Planning, LLC, a wholly-owned subsidiary. These online estate planning tools and products are separate and distinct from the insurance-related products and services offered by Ethos Technologies Inc. Ethos Estate Planning, LLC is not a law firm and does not provide financial, investment, legal, accounting or tax advice. Complimentary W&T services are offered with certain insurance products via the Perks rider which has been filed and associated to the underlying policy. The Perks rider is not available with policies issued in WA and SD; W&T services not available in AK and LA.

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.

Customers can get approved in as little as 10 minutes. You can purchase instantly or do it anytime in the next 30 days as long as no information provided to us has changed.

202507CIB1054

Your use of the estate planning documents is subject to the Terms of Service and Privacy Policy. Questions? Contact us.