Step:1

See your options

Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.

Step:2

Apply in minutes

Apply online after you choose your plan. It’s simple, straightforward, and only takes about 10 minutes.

Does coronavirus impact life insurance?

Life insurance does cover deaths related to COVID-19, and life insurance rates are not impacted by the pandemic. We’re not treating this any differently than we would any other illness or travel advisory. You can still apply for life insurance online with Ethos. If your application is approved, you’ll be considered covered as soon as your first premium payment is made. 

What does life insurance cover?

Your policy can help your loved ones in their greatest time of need. It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout.

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. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.

What if I have a policy through my employer?

You may already have some life insurance coverage from your employer. However, that policy might only provide a fraction of the coverage you actually need. Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that is about 10X your salary. This disparity can result in a large gap in protection if you’re solely relying on your policy through work—which is why many people buy individual term policies to supplement the coverage you receive through work. 

Same-day coverage

Because of our expedited process, most customers enjoy same-day coverage. That means you can go from applying to protecting your family in a matter of minutes. That’s how easy life insurance with Ethos is.

No medical exams

Our 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests. What traditionally took weeks can now be done in minutes, giving you more time to focus on what matters – the reason you bought life insurance in the first place.

Policies on your terms

You don’t need to talk to an agent – unless you want to. We’re here to help with anything you might need in the life insurance process, even if you just want to talk out the details.

Affordable policies

You can tailor your policy to fit your budgets and your needs because we believe that life insurance isn’t a one-size-fits-all solution for your family. Get the policy that’s best for your family today.