An instant life insurance product for everyone

All your clients. One seamless experience.
na
Ethos makes getting a policy simple, fast, and painless
na
Less time and hassle for client
Our proprietary technology analyzes data quickly, leading to more than 90% instant decisions1, same-day coverage, and no medical exams (just a few health and lifestyle questions).
na
Streamlined support for field underwriting
Our platform helps find you the right policy type for your client, saving the time it usually takes to shop around and apply with multiple carriers.
na
No case management
By using existing data in place of traditional lab work and physical exams, Ethos eliminates your case management work following up and waiting for results.
na
More time to scale your business
With Ethos’ fast, efficient underwriting capabilities, you can work with more clients and focus on growing your business.
Term life insurance

Help your clients get the coverage that's right for them, from our top-rated carriers. We offer a wide range of term lengths and coverage options for every risk profile.

term life insurance product details
Final expense whole life insurance

For many people, age or health issues make it difficult to buy life insurance. That’s why we offer simplified issue whole life insurance with a range of coverage limits. Approved in a matter of minutes, regardless of medical history. For real.

whole life insurance product details
Index universal life insurance (IUL)

Offer your clients the cash value potential, tax advantages and lifelong protection of our instant decision IUL products.

Whether your client is looking for cash value accumulation, retirement income, or maximum protection, you’ll find it easy to create compelling case designs for a wide range of scenarios.

iul graphic
Estate planning tools

Give your clients an extra layer of protection with online wills, trusts, and more — all included at no additional cost.

estate planning
Industry-leading carriers

Ethos partners with some of the most respected, highly-rated insurance carriers in the world.

carriers