Term life insurance offers fast, easy and affordable financial protection for your loved ones. 

Term life insurance offers the most straightforward and affordable life insurance option by covering you for a set "term" (typically 10 to 30 years). If you pass away during the term period, your beneficiaries receive a cash payment. Term life insurance provided by Ethos might be right for you if: • Your loved ones would need to replace your lost income while raising children or paying a mortgage. • You have financial responsibilities such as loans, a new business, or credit card debt. • You want the most affordable life insurance coverage. • You only need life insurance for a specific amount of time. 

What's the difference between term and whole life insurance? Term life insurance uses premiums to cover you for the determined "term" of the policy. Coverage expires if there is no claim within that timeframe. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage. Whole life insurance lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount. 

Coverage you can trust Our term policies are backed by top-rated life insurance companies. By combining Ethos' streamlined application with trusted coverage, we've shortened the application process to minutes, compared to weeks with traditional applications.