NO MEDICAL EXAMS

Ethos makes life insurance simple, fast, and accessible. With a fully online application process, most people can get coverage in under 15 minutes— Ethos partners with top-rated carriers to offer affordable, reliable policies backed by trusted companies. It's a great choice for busy individuals and families who want peace of mind without the hassle.

(AGES: 18+)

Term insurance provides coverage for a specific period or "term," such as 10, 20, 30, or 40 years. If the insured person passes away during this term, their beneficiaries receive a death benefit. It does not accumulate cash value and typically has lower premiums compared to permanent life insurance.

(AGES: 0+)

Whole life insurance is a type of permanent life insurance providing coverage for the insured's entire life. It accumulates cash value over time, which can be borrowed against or withdrawn. Premiums are typically higher than term insurance but remain fixed throughout the policyholder's lifetime. Mortgage protection is a type of whole life protection that families use to protect their home.

(AGES: 0+)

Juvenile Whole Life is permanent coverage you can set up for your child at a young age. It locks in low rates, builds cash value as they grow, and gives them a strong financial foundation for the future. This policy can help with milestones later in life—such as education, buying a home, starting a business or even starting a family of their own.