We need a bit more information to get you your real price. If the above estimated rate sounds interesting, you can apply in about 5 minutes online. Most people don’t need a medical exam, but if you do we’ll let you know. It’s always convenient, easy, and free.

You may start an application and withdraw from the application process at any time without penalty. Before issuing any coverage to you, we will tell you the amount of coverage and premium we will offer you. If you like our offer, you can add your electronic signature at the end of the application to confirm the information provided is correct, and you will be issued coverage. You always have a 30 day period to cancel coverage and get your money back if you change your mind.

No—this quick quote calculator gives you an estimate of what life insurance coverage could cost for you. You’ll get your real rate when you apply and your application is approved. With Ethos, the application is always free.

All U.S. citizens ages 20-85 are welcome to apply. Ethos is licensed and operates in every U.S. state and the District of Columbia, excluding the state of New York.

No. After your application is approved, you can make adjustments so that you get the coverage you need at a price that works for you. A licensed Ethos expert will reach out to help you make sure you’ve got your bases covered.

Yes! The application is free for everyone. Even when your application is approved, you won’t pay anything until you choose to accept your coverage. You’ll have plenty of time to decide, and our team of licensed experts can help you along the way.

Nope! We only run a soft credit check, so applying will not hurt or impact your credit score in any way.