Protect the Future You’re Building—Starting Today

Most people put off life insurance because they expect it to be a hassle doctor visits, blood tests, weeks of waiting, and a phone full of sales calls. Ethos was built to eliminate every one of those friction points. The application takes minutes. The decision is instant. And for most applicants, there is no medical exam at all.

At Life Insured By Chris, we offer Ethos as an option for clients who want fast, straightforward term life coverage without the traditional insurance runaround. Ethos approves approximately 95% of applicants, partners with highly rated insurance carriers, and carries an "Excellent" rating on Trustpilot, an A+ rating from the Better Business Bureau, and 4.6 stars on Google.

Get Your Ethos Quote - No Agent Required

How Ethos Works

Instead of scheduling a medical exam and waiting weeks for an underwriting decision, Ethos asks a series of health questions during a fully digital application. Most applicants receive a coverage decision the same day — often within minutes. There are no blood draws, no doctor visits, and no lengthy paperwork. Just a straightforward application and fast, reliable coverage.

What Ethos Life Insurance Covers

Ethos offers term life insurance in flexible coverage amounts, from $20,000 to $2 million, with coverage terms available for the period that fits your life. Term life pays a tax-free death benefit to your beneficiaries if you pass away during the policy term, giving your family the financial protection to cover lost income, a mortgage, childcare, and everyday expenses during the most vulnerable time.

Sample Monthly Rates for $500,000 in Coverage (10-Year Term, Healthy Non-Smoker)

Age 30 Male: approximately $21.78 per month. Age 30 Female: approximately $15.12 per month. Age 40 Male: approximately $35.35 per month. Age 40 Female: approximately $25.85 per month. Age 50 Male: approximately $67.27 per month. Age 50 Female: approximately $52.38 per month.

Rates vary based on individual underwriting and are provided for illustration purposes only.

When You Should Consider Getting Covered Now

Life insurance is most affordable when you're young and healthy and every year you wait means higher premiums for the exact same coverage. If someone depends on your income, if you recently bought a home, got married, had a child, started a business, or took on new financial obligations, this is the right time to get covered. Most people dramatically overestimate what life insurance costs, the actual monthly premium is often less than a streaming subscription.

Ethos is also a strong option if your employer provides group life insurance. Most workplace plans offer coverage equal to roughly one times your annual salary, far below the 10 times income most financial experts recommend. An Ethos policy can close that gap quickly and affordably, and unlike employer coverage, it stays with you if you change jobs.

Who Ethos is Best For

Ethos is the right fit if you want fast coverage without a medical exam, you're in good health and want competitive rates, you've been putting off life insurance because the process felt overwhelming, you need coverage quickly due to a life change, or you want to handle everything online without talking to an agent first. Life Insured By Chris is available to walk you through your options and make sure Ethos is the right fit before you apply.

Rates increase every year you wait. Book your free 15-minute coverage review today and get covered as early as this week.

Apply Now for Instant Life Insurance Coverage

As one Ethos policyholder shared:
“This was a chore I had dreaded for so long… Ethos made it so easy!”

Get a Ethos Life Insurance Quote Today

At Life Insured By Chris, we make it easy to compare Ethos life insurance options and find the right coverage for your budget and goals.

✅ No medical exams for many applicants
✅ Fast approvals
✅ Affordable monthly premiums

👉 Get my Ethos quote today and protect what matters most—your home, your income, and your family.

Policy availability, features, and riders vary by state. Accelerated death benefit riders reduce policy values and death benefits when used. Policies are subject to underwriting and terms and conditions.

Ethos Life Insurance