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The ease of getting insurance with
Ben and Sylvia Williams and Ethos
Our Modern, 100% online experience makes applying
super fast and stress-free.
Coverage up to $2M with no medical exam. Just answer a few simple health questions.
Free wills & estate plans. Eligibility depends on the product and state.
95% of qualified applicants get instantly approved in 10 minutes or less.
Flexible options to fit different budgets and needs because life insurance isn't a one-size-fits all
Dedicated support from our team. We're committed to helping you find the right coverage.
Get a 30-day money back guarantee. If you're not fully satisfied in the first 30 days, we'll refund you in full.
Backed by giants
Ethos works with trusted life insurance companies like Legal & General America, Ameritas Life Insurance Corp., TruStage(TM*), and Senior Life Insurance Company.
Your Top life insurance questions answered
Life Insurance
What is life insurance?
A way to provide for your family if something happens to you.
Life Insurance
How much life insurance do I need?
We'll help you decide. Try our calculator to start.
We'll help you decide. Try our calculator to start.
Life Insurance
How Much Does It Cost?
It's a monthly payment between about $7 and $x a month.
Frequently-Asked questions
How much does life insurance cost?
Most people overestimate the cost of life insurance by
300% or more. The cost varies based on your unique situation. The biggest factors that can affect your premium include your coverage amount, term length, age, health status, and tobacco use. The sooner you buy, the sooner you’ll lock in your lowest premium—and save the most money in the long run.»
What if I already have life insurance through my employer?
Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of what most families need. And if you leave your job, that coverage usually ends. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.
How much life insurance do I need?
A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill.
What’s the difference between term and whole life insurance?
Term life insurance
uses premiums to cover you for the determined “term” of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage.Whole life insurance
lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.
Does Ethos offer a 30-day free look period?
Yes. Our application is non-binding, 100% free, and it won't affect your credit score. Additionally, each policy has a 30-day free look period. If you cancel the policy within the first 30 days, you will receive a full refund of premium paid. After 30 days, you may cancel your policy at any time without cancellation fees.
What does life insurance cover?
Your life insurance can help cover some of life's biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it's up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free.
Get started
Take the first step towards protecting your family and apply for life insurance online with Ethos.
Contact Us
1606 Headway Circle,
#9013,
Austin, TX 78754,
(415) 915-0665
© 2023 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions. Trustpilot rating as of 3/31/23. Google rating as of 3/31/23. Prices start at $7/month based on a 20-year old female, healthy, non-smoking for a 10 year term and $100,000 policy.
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