Term life insurance, simplified
Protect your family's future in minutes.
Most people overestimate the cost of life insurance by 300% or more. Answer 5 quick questions and we will point you to a personalized quote through Ethos, with no medical exam required for many applicants and a 30-day free look on every policy.
The application is non-binding, 100% free, and will not affect your credit score.
Ready when you are
Common questions
Straight answers, in plain language.
How much does life insurance cost?
Most people overestimate the cost of life insurance by 300% or more. Your price depends on your coverage amount, term length, age, health status, and tobacco use. The sooner you apply, the sooner you lock in your lowest premium. Source: LIMRA, via Ethos.
How much coverage do I need?
A common and easy way to estimate is to multiply your annual income by 10. Another way is to add up your long-term financial obligations, subtract your assets, and cover the gap. Your beneficiaries decide how to use the payout, often for mortgage payments, debts, tuition, and everyday expenses.
Do I need a medical exam?
To help avoid requiring a medical exam, the Ethos application asks certain health and lifestyle questions instead. Many applicants are approved without an exam.
What if I already have life insurance through my employer?
Employer coverage is typically about 1 to 2 times your annual salary, a fraction of what most families need, and it usually ends if you leave your job. Many people buy an individual term policy to supplement it.
What is the 30-day free look?
The application is non-binding, 100% free, and will not affect your credit score. Every policy includes a 30-day free look period: cancel within the first 30 days and you receive a full refund of any premium paid.
Products and their features may not be available in all states. Prices vary based on age, health status, tobacco use, coverage amount, and term length. To help avoid requiring a medical exam, the application asks certain health and lifestyle questions. Policy proceeds are generally paid as a lump sum and are generally tax-free; consult your tax advisor.
Mykel Insures is an independent affiliate site and is not Ethos Technologies Inc. Life insurance policies are issued by the carriers listed at ethoslife.com/carriers and offered through Ethos. This site may receive compensation when you request a quote or apply through links on this page.
By submitting your contact details, you agree to be contacted about life insurance options. Message and data rates may apply.