Income Protection before uncertainty becomes catastrophe.
Lock in $500K of protection for less than your phone bill— before life gets complicated.
No needles, no doctor visit
Approved while you scroll
Coverage starts today
Got $750K of coverage while waiting for my Uber. Took 6 minutes.
My rent is $2400. This is $18. Easiest decision I made all month.
Had a baby on the way and zero time. Done before my partner got home from work.
Student loans don't disappear when you do. Got $400K so my wife wouldn't inherit my debt and lose our house.
Started a business, had a kid, bought a house—all in 18 months. This was the only financial decision that didn't stress me out.
My dad had a heart attack at 42. I'm 32. Locked in my rate before my next physical. Best $23 I spend every month.
Why this Matters?
You Can't Control:
Layoffs in a weird economy
Whether you'll get that diagnosis
If housing costs ever make sense again
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You Can Control:
Locking in protection now (while you're healthy and it's cheap)
Making sure your people don't lose everything if you're gone
Getting this handled in less time than your morning commute
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This isn't your parents' insurance process.
No blood test. No waiting weeks. Just lock in your rate and move on with your life.
The #1 no-medical-exam, instant life insurance provider
Get covered in
10 minutes
Up to $3 million in coverage
Free will & trust worth $898
Your best price from multiple carriers
How it works:
We calculate your rate in real time, so you can get covered in 10 minutes.
Answer online questions (no med exam)
See your rate instantly
Activate your coverage
Life insurance made easy
See how Ethos is changing the way people buy life insurance.
What This Actually Protects
What does life insurance cover?
What This Actually Protects:
→ Your partner doesn't lose the apartment
→ Your kids' future doesn't disappear
→ Your parents don't inherit your debt
→ Your business partner isn't scrambling
→ Your side hustle keeps running
Translation: The life you're building doesn't collapse if you're not here to fund it.
What kind of life insurance does Ethos offer?
Ethos offers term life insurance up to $3M in coverage—affordable protection for a specific time period (10-30 years). This is perfect for covering temporary needs like mortgage protection, income replacement, or protecting your family while your kids are young.
But I have insurance through my employer, isn’t that enough?
Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work.
Who is eligible to apply?
Age: All U.S. citizens and permanent residents ages of 20-85 can apply for coverage with Ethos. If you’re 65 and under, you can own term coverage until age 80. If you are over 65, a guaranteed issue whole life insurance policy 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.
How much coverage makes sense?
Forget the "10X your salary" rule.
Better question: What would break financially if your income disappeared tomorrow?
→ Rent/mortgage for how long?
→ Childcare costs?
→ Debt that doesn't die with you (student loans from your spouse, business loans)?
→ How long until your partner/family stabilizes?
Most people in their 20s-30s land between $250K-$1M.
Not because of a formula.
Because that's what actually fills the gap.
Does Ethos offer a money-back guarantee?
Yes. Our application is 100% free and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. 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. You can cancel your policy by calling or emailing us, and requesting a surrender form for you to sign electronically. We will cancel your policy upon receipt, and there's never any cancellation fees.
What makes Ethos different?
We’ve built an industry-leading product that is transforming how people apply for life insurance. Our proprietary underwriting engine digitally assigns each customer to the appropriate product so applicants can get the coverage that best fits their unique needs as fast as possible. Check your final, approved rates in a matter of minutes and get covered today.
Can i speak to a real person?
Yes—we’re happy to assist and support you anytime. You can get in touch with our customer success team by sending us an email at [email protected]
Why Lock This In Now?
Your rate is based on your age + health TODAY. Every birthday = higher cost. Every diagnosis = way higher cost (or no coverage at all).
A 25-year-old pays $15/month for $500K.
A 35-year-old pays $22/month for the same thing.
A 35-year-old with high blood pressure? $45+/month.
This is the cheapest it'll ever be. Lock it now.
Your future self will thank you.
© 2026 I Need Term Insurance Now | Walter Webster
Walter Webster is an independent licensed insurance agent authorized to offer products in all 50 states.
This site is an authorized partner of Ethos Life Insurance and other A+ rated carriers.
Insurance products are issued by various insurance carriers and underwritten according to each carrier's terms and conditions. Product availability, features, and pricing vary by state and carrier. This website provides general educational information and does not constitute legal, tax, or financial advice.All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Consult with a qualified professional regarding your specific situation.
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