A+ Rated Carriers
We work with the industry's top life insurance carriers with A+ (Superior) ratings from A.M. Best for insurer financial strength.
Instant Life Insurance Coverage
11%
Get Your Long-Term Care Quote
22%
Tell Us About Yourself
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33%
Do you have any major or minor health conditions?
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44%
Have you ever helped a parent, spouse, or relative arrange long-term care?
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55%
Timeline: "I'm just curious" vs "I'm looking for a real quote"
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66%
How do you plan on paying for long-term care if you need it?
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77%
Long-Term Care Planning
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88%
How much money do you plan on allocating to LTC insurance monthly?
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94%
Creating your Profile ⚙️
Building demographic information…
Setting Time Zone
Analyzing LTC Needs
Verifying Eligibility
Updating your Profile
100%
You Qualify for Coverage!
Complete your profile to schedule a consultation with a licensed advisor.
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What is long-term care?
Home care
Receive care in the comfort of your own home or the home of a family member or friend.
Community living
Pay for caregiving facilities such as adult day care and continuing care retirement communities for individuals who are active and able to live on their own.
Facility care
Receive care through assisted living or full custodial care services.
Home care
Receive care in the comfort of your own home or the home of a family member or friend.
2
Community living
Pay for caregiving facilities such as adult day care and continuing care retirement communities for individuals who are active and able to live on their own.
3
Facility care
Receive care through assisted living or full custodial care services.
Why people love us!
Guaranteed Coverage
95% of all applicants qualify for insurance and you're guaranteed to be approved if you're between the ages of 66 and 85.
30-day free look
Take your policy for a trial run with a 30-day money-back guarantee. If you're not fully satisfied in the first 30 days, we'll refund you in full.
Flexible coverage
Get anywhere from $20,000 to $2 million in life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.
Fast process
Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes.
Instant Coverage
Coverage starts the moment you make your first payment. Coverage lasts your lifetime if you keep up with the premiums.
What do YOU need?
The series of questions you'll answer will ensure you get a
customized policy based on your personal situation, needs & goals.
Whole Life or Term Life
10 year, 20 year, or Lifetime Coverage
$ Policy Coverage vs. $ Annual Premium
Beneficiary Protection vs. Investment
?
More Information about Life Insurance
How much does Insurance Cost?
All policies are underwritten based on the needs of the individual and family. There are numerous factors that help to determine the premiums, for example, your gender, age, location, health, coverage amount, all play a part in determining the cost.
Term Life vs. Whole Life
Term Life is exactly as it sounds, it is life insurance for a designated term, typically 10–30 years. While, Whole Life is insurance that will last the entirety of your life, your whole life.
What are Life Insurance Riders?
Riders are like an add-on. These are additional benefits that you can add to customize your policy. The most common include guaranteed insurability, accidental death, waiver of premium, family income benefit, accelerated death benefit, child term, long-term care, and return of premium riders.
Get started
Take the first step towards protecting your family and apply for life insurance online with Ethos – with no obligation. It's free and won't affect your credit score.
No Medical Exam
No Credit Check
No Obligation
Free 30-day Look