How it works: our quick, easy application

Call for Instant Quote 800-266-5185

Apply for life insurance online in just a few minutes with Ethos’ simple application. No medical exams are required. Just answer a few health questions — many customers enjoy same-day coverage!

Get started

Call for Instant Quote 800-266-5185

Get coverage in 3 easy steps:

Get a quote

To get a life insurance quote online, simply answer a few questions about yourself and see estimated costs for various policy options.

Check my price →

Apply in minutes

Our secure, online application is fast and straightforward—you can complete the process in about 10 minutes.

Apply now →

Get coverage

Once you submit your application, we’ll process it quickly (often instantly) and let you know about your coverage eligibility and rates. If approved, you can activate your coverage immediately.

Start application →

What to expect when you apply:

Ethos takes the guesswork out of the application process. Answer a few basic questions and see which products offer the best fit for your coverage needs.

How do you determine what policy is best for me?

We start with your age. If you’re between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved. 

Applicants ages 20 to 65 are eligible for our term policies. Using the information on your application as well as our proprietary technology and smart underwriting, we can offer a range of coverage options.

Who can apply?

All U.S. citizens ages 20 to 85 can apply. Ethos is licensed and operates in the District of Columbia and every U.S. state except New York.

What information do I need?

To ensure your application goes quickly and smoothly, have the following information handy:

• Driver’s license
• Social Security number (to verify your identity)
• Personal and family medical history
• Current prescription information

Why do we need this information?

To provide you with instant coverage, we ask for your driver’s license information and social security number to verify your identity in real-time. Having your medical history and prescription information gives us a clear picture of your health without requiring a medical exam. Rest assured that this information remains secure and confidential.

Is the application binding?

Absolutely not. You may withdraw from the process at any time, with no penalty. Signing and submitting your application simply confirms that the information you’ve provided is accurate.

What kind of questions will I be asked?

Depending on which of our products you qualify for, the application process will vary.

Applicants between 66 and 85 are eligible for our guaranteed issue whole life policy and can get approved after answering a few simple questions.

Term policies require additional questions, but applications can still be completed in minutes. In general, you can expect questions related to:

• Your health
• Your legal and driving history
• Your health insurance history
• Your employment and income status
• Your lifestyle and hobbies
• Your drug and/or alcohol use