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Life insurance
Life insurance 101
A handy guide to life insurance.
Learn more
Life insurance
No medical exam life insurance
Life insurance rates by age
$500K life insurance
$1 million life insurance
Term life
Term life insurance
10 year term life insurance
20 year term life insurance
30 year term life insurance
Whole life
Whole life insurance
Guaranteed whole life insurance
Understanding whole life insurance
Permanent and whole life insurance
Final expenses
End of life expenses
Burial insurance
Resources
How much life insurance do I need?
How is life insurance cost determined?
Life insurance coverage calculator
Life insurance blog
Free wills & estate plans
Wills & estate plans 101
Free will with life insurance
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Why Ethos
How Ethos works
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Complete guide to life insurance
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Check my price
Ethos Logo
Life insurance
Life insurance 101
A handy guide to life insurance.
Learn more
Life insurance
No medical exam life insurance
Life insurance rates by age
$500K life insurance
$1 million life insurance
Term life
Term life insurance
10 year term life insurance
20 year term life insurance
30 year term life insurance
Whole life
Whole life insurance
Guaranteed whole life insurance
Understanding whole life insurance
Permanent and whole life insurance
Final expenses
End of life expenses
Burial insurance
Resources
How much life insurance do I need?
How is life insurance cost determined?
Life insurance coverage calculator
Life insurance blog
Free wills & estate plans
Wills & estate plans
101
Why everybody needs a plan.
Free will with life
insurance
Why Ethos
Why
Ethos
Fast, easy life insurance you can trust.
How Ethos
works
Customer
reviews
Agents
Ethos for
agents
Grow your business with Ethos.
Join as an
agent
Log in as an
agent
FAQs
FAQs
Everything you need to know to make a plan.
Complete guide to life
insurance
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us
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calculator
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Help Center
>
Application
Application
Can I change my coverage amount or term length once I
apply?
Yes, you can adjust your coverage amount and term length after you apply.
Can I insure my spouse, parents, or
children?
Your spouse or adult child (between ages 20-65) will just need to apply through our standard application process.
Can I speak with a real person if I have
questions?
Yes—send us an email at support@ethoslife.com.
How can I fix incorrect information on my
application?
Send us an email at support@ethoslife.com anytime.
How do I
apply?
You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.
How is my final price
calculated?
Your final price might look different than your initial estimate because it considers far more information.
How long does it take to get a decision on my
application?
Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.
I was asked for follow-up information–what does this
mean?
Sometimes underwriters may have a few additional questions or need a little clarification.
What if I change my mind during or after my
application?
You may start an application and withdraw from the application process at any time without penalty.
What happens after I submit my
application?
Underwriters review your application and approve, request more information, or deny your application.
What if my birthday occurs during the application
process?
Once approved, an agent will help you with any next steps if your new age could impact your premium amount.
When does my coverage
begin?
After your application qualifies for or is approved for coverage and you pay your first premium, you’re covered.
Why do I need an Ethos account to
apply?
So we can protect any private information you share.
Why does the application require so much
information?
The information required is used to determine your cost, expedite the application, and to protect your identity.
Will applying hurt my credit
score?
No, it should not affect your credit score.
Can I change my coverage amount or term length once I
apply?
Yes, you can adjust your coverage amount and term length after you apply.
Can I insure my spouse, parents, or
children?
Your spouse or adult child (between ages 20-65) will just need to apply through our standard application process.
Can I speak with a real person if I have
questions?
Yes—send us an email at support@ethoslife.com.
How can I fix incorrect information on my
application?
Send us an email at support@ethoslife.com anytime.
How do I
apply?
You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.
How is my final price
calculated?
Your final price might look different than your initial estimate because it considers far more information.
How long does it take to get a decision on my
application?
Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.
I was asked for follow-up information–what does this
mean?
Sometimes underwriters may have a few additional questions or need a little clarification.
What if I change my mind during or after my
application?
You may start an application and withdraw from the application process at any time without penalty.
What happens after I submit my
application?
Underwriters review your application and approve, request more information, or deny your application.
What if my birthday occurs during the application
process?
Once approved, an agent will help you with any next steps if your new age could impact your premium amount.
When does my coverage
begin?
After your application qualifies for or is approved for coverage and you pay your first premium, you’re covered.
Why do I need an Ethos account to
apply?
So we can protect any private information you share.
Why does the application require so much
information?
The information required is used to determine your cost, expedite the application, and to protect your identity.
Will applying hurt my credit
score?
No, it should not affect your credit score.