Why Ethos?
Broad eligibility Ethos can offer life insurance for over 90% of U.S. adult applicants ages 20-85*, including seniors, low credit holders, and those with health issues. *Averaged across ages.
Fast coverage Our streamlined application uses your answers to health questions to provide a decision for you on the spot, in a process that can take as little as 10 minutes.
No medical exams Our 100% online process makes it simple to apply. What traditionally took weeks can now be done in minutes by answering just a few health and lifestyle questions.
FAQs
What does a life insurance policy cover? It’s ultimately up to your beneficiaries to decide how to use t h e cas h pa y out . P eople o f ten c h oose to use it f or t h in g s like :2 H ome mortgage or rent 2 L ost income 2 L oans and debt 2 C hildren ’ s education 2 L iving e x penses 2 F uneral costs How do policy claims and payouts work? If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier (as identified on your policy documents), your carrier will pay the claim to your beneficiary, typically in an income tax-free lump-sum payment. For example, if you purchase $1 million in coverage, your beneficiary will receive a tax-free $1 million lump-sum payout.
What happens when my term ends? If you do not pass away during your term, you have options when your term ends:2 You can renew your term annually at a higher rate, with no additional underwritingj You can apply for a new policy with a fresh term length and coverage amountj You can decide to let your coverage expire and not replace it. Is there a chance the payout won’t be paid? A cl aim may not b e paid if underwriting fi nds that parts of the application were answered untruthfully or if the claim is the result of death b y suicide within the fi rst two years of the policy b eing in force. R efer to your policy for details.
© 2025 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.
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