Ethos review

Ethos is the quickest route to coverage on this list. You answer health questions online, there is no medical exam, and Ethos says most applicants get an instant decision and many are covered the same day in as little as 10 minutes. It compares rates from several carriers and offers term lengths from 10 to 40 years with up to $3 million in coverage. Applicants must be U.S. citizens or permanent residents, and term life is available up to age 69, with coverage able to run to age 80. Eligible policies include a free will and trust through a Perks rider, which Ethos values at $898 for a policyholder and spouse, though that perk is not available in every state. Every policy has a 30-day free look, and applying does not touch your credit score. The trade-off is price: Ethos publishes plans from $30 a month, the highest floor here. Ethos is licensed in 49 states and DC, not New York. We compared documented features and published prices.

Who it is for

Families who want same-day coverage with no exam and value the free estate planning documents.

Price

Plans from $30 a month; up to $3 million in coverage.

Up to $3M in coverage Choose the amount you need, with plans starting from just $30 per month.
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Term lengths from 10 to 40 years with up to $3 million in coverage
• No medical exam, health questions only, and an instant decision for most applicants
• Same-day coverage in as little as 10 minutes
• Free will and trust through the Perks rider, which Ethos values at $898 for a couple
• Applying is free and does not affect your credit score

Strengths and weaknesses

• Strength: Fastest documented path to coverage: as little as 10 minutes
• Strength: Terms up to 40 years from an online provider
• Strength: Free estate planning documents with eligible policies
• Weakness: Highest published starting price on this list at $30 a month
• Weakness: Term life is only available to applicants 69 or younger
• Weakness: Not licensed in New York; wills and trusts not offered in some states

Key facts

• Starting price: $30 a month
• Term lengths: 10 to 40 years
• Maximum coverage: $3 million
• Time to coverage: As little as 10 minutes
• Free look: 30 days

Where it ranks

Ethos is No. 5 in our Best Term Life Insurance verdict.