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If something happens to you, your loved ones will be OK.

We give them a tax-free payout to cover the groceries, a new bike, the rent or mortgage, college tuition, or anything else.
Two parents and a child

It’s simple: 

  • 1.

    Sign up in 10 minutes

    Most healthy people qualify for instant approval.
  • 2.

    Live long & prosper

    We keep rates affordable — as low as $6/month.
  • 3.

    If the worst happens...

    Your family gets paid, from $25K to $10 million.

What our customers say

Ethos Reviews

You get the security of an insurance giant...

Our policies are issued and guaranteed by Assurity, a large US life insurer.
Assurity logo
Life insurance in force

$17.5 billion

In business

127 years

A- ratingAssurity is rated A− (Excellent) by A.M. Best.

...without the headache.


Time to sign up
Medical exams?
Blood tests?

Ethos logo

10 minutes10 minutes to sign up
OnlineSign up online
None   (for most people)No medical exams   (for most people)
None   (for most people)No blood tests   (for most people)

Traditional life insurance

Over 5 weeksOver 5 weeks to sign up
An agent’s officeSign up in an agent’s office
RequiredMedical exams required
RequiredBlood tests required
Not so affordable

Plus, it’s really affordable.

$1/day can get your family $1 million.
(+20% more than competitors)
Cost of Ethos compared to competitors
Based on a 30-year-old female in good health with a 20-year term. Not you?

With white-glove service for your family.

Most claims are paid within 10 days, and we will help your family through the process.

Get your quote instantly.

No medical exams. No credit checks.
Family protection starts at just $6/month.

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San Francisco