The Instant Life Insurance
Answer a few health questions, skip the medical exam, and get covered today — Ethos gives same-day decisions and simple online pricing.
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The quality of your family’s future is depending on the choices you make today.
Why Ethos?
No medical exams
Our 100% online Ethos process asks only a few health questions instead of medical exams. What used to take weeks is done in minutes, so families get protection faster.
Same-day coverage
Most Ethos customers gain coverage the same day they apply — no waiting weeks for underwriting decisions. Protection begins quickly when families need it.
Affordable policies
Flexible term options and competitive pricing let you tailor coverage to your budget — get meaningful protection without paying for extras you don’t need.
Non-pushy guidance
Choose to apply on your own or speak with a licensed expert — our advisors give clear recommendations and respect your pace, not pushy sales tactics.
How Ethos works
Ethos uses a streamlined questionnaire and real-time eligibility checks to deliver fast underwriting decisions so you can secure coverage without a medical exam.
Peace of mind for the price of a nice dinner
In five minutes you can see if you qualify for Ethos — affordable coverage, quick decisions, and policies that fit your family.
Top-rated by customers
"Excellent" rating from Trustpilot
Ethos holds an ‘Excellent’ Trustpilot rating with an average 4.8/5 across thousands of reviews.
A+ rating from Better Business Bureau
Ethos maintains an A+ accreditation with the BBB, reflecting reliable service and timely claims handling.
4.5/5 stars on Google
Customers consistently rate Ethos highly for clarity, speed, and affordability on Google reviews.
Simple
Simple, easy, quick coverage! Ethos made applying fast and straightforward — I was covered the same day.
Made getting life insurance easy!
Ethos removed the friction — I completed it on my lunch break and felt confident about the policy.
Easiest process I've used...
The guided questions were clear and the pricing was competitive — no exams, no surprises.
Fast, easy and affordable
As an industry professional, I appreciated how Ethos balanced speed with solid underwriting.
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OUR PEDIGREE
Backed by experts
Ethos partners with leading actuaries and insurance carriers to deliver fair underwriting decisions and transparent pricing for Ethos.
Frequently asked questions
The section is structured as two columns of Q&A entries separated by a vertical divider.
What does life insurance cover?
It can help cover a mortgage, debt, college tuition, and replace lost income. Beneficiaries decide how to use payouts — Nimbus helps protect essentials.
Does COVID-19 impact coverage?
Life insurance covers deaths related to COVID-19. Nimbus applications continue online; approvals depend on standard underwriting.
Is employer coverage enough?
Employer policies are often limited; financial planners often recommend additional individual coverage to meet long-term needs.
How much life insurance do I need?
A quick rule is 10x your annual income; you can also calculate obligations minus assets to determine a tailored amount.
What types does Ethos offer?
Nimbus provides term life policies with multiple term lengths and coverage amounts to match budgets and life stages.
How do I know Ethos is legit?
We partner with top-rated carriers and publish our ratings and carrier list; see our carriers page for details.
Is there a commitment?
No — our application is free, won’t affect your credit, and policies include a 30-day free look period for refunds.
Get started
Take the first step toward protecting your family — apply for Ethos online with no obligation. It's free and won't affect your credit score.
© 2026 Ethos Inc. Ethos offers policies issued by top carriers. Product availability varies by state. To avoid requiring a medical exam, Ethos asks health and lifestyle questions. See our carriers page for full details.
Trustpilot rating as of 10/27/2025.
Google rating as of 6/6/2025.
#1 estate planning rank as of 1/2025 on the App Store.
Best no exam life insurance according to Business Insider as of 3/2025.