Grow your insurance business with Ethos

Join 14,500+ life insurance agents who quickly expanded their business with Ethos' revolutionary, industry-leading platform.

  • Provide up to $2M in coverage
  • 100% online application
  • No case management or medical exams
  • Clients answer a few health questions online
  • Coverage options for 90% of U.S. adults up to age 80

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Ethos makes life insurance easy

Grow your business with Ethos. Our revolutionary platform makes it simple. We eliminate the need for medical exams—only a few health questions asked all online—and provide up to $2million in coverage. Get instant underwriting insurance decisions. No case management or medical exams.

Whether you work independently or lead a large team of agents, we have multiple personalized options with maximum flexibility to rapidly grow your life insurance business.

100% satisfaction guarantee

Every policy that you sell is backed by our guarantee. If your customers aren't satisfied, they're eligible for a full refund within 30 days.

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Ready, Set, Grow


Schedule your appointment


Onboard quickly—in as little as 2 hours


Start earning—get paid weekly with Ethos Prompt Pay™


Agent Solutions

Ethos can boost your sales and power your business with the latest digital technology.

We offer competitive compensation without case management. Combine that with the additional time you'll reclaim by not having to manage the process and you can scale like never before.

Agency Solutions

Built for agencies with 25+ agents looking to expand. Our portal delivers one-click access to agent performance, custom reports, and application status.

We provide a library of email templates, scripts, advertising assets, and resources.

Our dedicated team, offering customized webinars, training, in-office visits, and assisted agent signup, is here to support you every step of the way.

P&C Solutions

Maximize your earnings with our platform and easy referral process, competitive compensation, and prompt payouts. Easily onboard and begin submitting applications in minutes with instant underwriting decisions and policy issuances.

Our multi-product offering provides nearly all applicants with coverage. Plus our team simplifies onboarding and provides 24/7 support.

Backed by giants

We're not a carrier, but we contract directly with top-tier carriers (so you don't have to!) to provide policies on the carrier's paper through our site.


Join 14,500 agents on the industry-leading platform

Gain the tools, resources, and dedicated support to help almost anyone find the right life insurance solution.


Want to know more?

Here are some common questions from people just like you.

Ethos makes applying for life insurance easy and straightforward. Traditionally, applications could take weeks and often involved confusing paperwork and lengthy medical exams. With Ethos, applying for life insurance is fast, simple, and affordable.

Our streamlined application can be completed in just minutes. We offer personalized coverage that's tailored to fit your individual needs, saving our customers time and money.

The death benefit will be paid to your beneficiary at the time of claim if you have died for any reason except the following:

  • It has been determined that insurance fraud has been committed
  • Questions within the application were not answered truthfully and are discovered during the two year contestable period
  • Your death is the result of suicide during the first two years of the policy being in force.
  • Does the policy I apply for with Ethos include any riders?
  • Yes, the policy includes an accelerated death benefit. This rider allows the insured the ability to access a portion of the death benefit upon qualified diagnosis of a terminal illness. The accelerated benefit can be used to pay medical expenses or anything else the insured decides. The accelerated amount will reduce the total death benefit, so the amount paid to the beneficiary upon death of the insured is less. Refer to the accelerated death benefit rider for details.
  • Expenses covered by life insurance
  • Typically, the life insurance death benefit is used to help cover expenses like home mortgages, funeral expenses, children's college tuition, existing debt, child care or dependent care, medical bills, living expenses, cosigned debt, or any other expenses your loved ones may have after your passing. However, it's ultimately up to your beneficiary (or beneficiaries) to decide how to use the death benefit.

Yes. Ethos was built to make the application process easy and personalized to your preferences. That's why, when you apply, you don't need to talk to an agent if you don't want to. But if you need help or have questions, our in-house team of licensed, expert agents are happy to help you through any part of the process.

In addition, Ethos allows a network of independent agents to sell the policies we offer. Some people enjoy working with agents, and allowing independent agents to sell policies ensures that people can buy life insurance the way they want.

Life insurance is not a one-size-fits-all product, which is why we've designed Ethos to give people the flexibility to personalize their experience how they like.

We are continually looking for additional products that we think could benefit families who are in need of insurance coverage.

Our goal at Ethos is to use our state of the art technology to quickly match you with affordable coverage. When you submit your application, we look not just at your application and our underwriting guidelines, but we also consider all of the products we have available, and offer you coverage that fits your unique situation.

Age: All U.S. citizens and permanent residents ages of 20-85 can apply for coverage with Ethos. Those who apply before age 65 can own term coverage until age 94. If you are over 65, a guaranteed issue whole life insurance policy powered by AAA Life might be an easy way for you to get coverage quickly.

Location: Ethos is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.

Ethos is proud to be backed by leading investors, including Sequoia Capital, Accel, GV, Softbank Vision Fund 2, and the investment funds of Jay-Z, Will Smith, Kevin Durant, Robert Downey, Jr., and others.

We work with some of the industry's largest and most respected companies —so you get the reliability of centuries-old industry leaders with the convenience of a modern technology company.

As a third-party administrator, Ethos administers policies issued by Legal & General, America (est. 1836), which has A+ (Superior) rating from A.M. Best and serves 10 million customers worldwide through its family of companies. These policies are reinsured by Munich Re (est. 1880), which also holds an A+ (Superior) rating from A.M. Best. Together, these insurance giants have paid out hundreds of millions of dollars in life insurance claims for over a hundred years.

As an agent, Ethos sells policies issued by AAA Life (est. 1969), which has an A (Excellent) rating from A.M. Best and serves 1.4 million customers in the U.S.

We have also teamed up with TruStage to secure coverage for any person who we could not otherwise offer coverage to. Trustage administers policies for CMFG Life Insurance company (est. 1935), which has an A (Excellent) rating from A.M. Best and protects more than 20 million families across the U.S.

After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy.