Life insurance is another way to say 'I love you'

See why financial expert, Anthony O'Neal chose Ethos for his life insurance policy to help build generational wealth and protect his family.

Why thousands of Americans choose Ethos

Ethos has redesigned the life insurance application process from start to finish to make it accessible and transparent for everyone. Because protecting your family should be this simple.

Fast, easy, free application

Our straightforward online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.

Affordable, personalized coverage

We offer a wide variety of coverage options to fit your budget and give you the coverage you need.

Honest advice. No up-selling.

You don’t need to talk to an agent – unless you want to. Ours are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.

Money back guarantee

If you’re not happy with your policy or change your mind in the first 30 days, we’ll refund your payment in full.

No cancellation fees

You can cancel your coverage at any time, with no extra fees.

Backed by financial giants

Our investors include Jay-Z, Will Smith, Goldman Sachs, Google Ventures, Sequoia, and other top venture capital firms.

$65 billion++

Coverage provided

95%

Customers approved

How it works

We’ve simplified the application process. Get covered in 3 simple steps.

Apply in minutes

100% online, with no medical exams (just a few health-related questions).

See your options

Select the plan that works best for you with multiple coverage options to choose from.

Get covered

Accept your offer. If approved, you can activate your coverage immediately.

Get started

Take the first step towards protecting your family and apply for life insurance online with Ethos—with no obligation. It's free and won't affect your credit score.