Instant Life Insurance

No medical exams, no blood tests-apply online to get covered today. Starting from $7/month.

No Medical Exams

Our 100% online process means all you have to do is answer a few health questions instead of setting up medical exams and blood tests. What traditionally took weeks can now be done in minutes, giving you more time to focus on what matters – the reason you bought life insurance in the first place.

Same-day coverage

Because of our expedited process, most customers enjoy same-day coverage. That means you can go from applying to protecting your family in a matter of minutes. That’s how easy life insurance with Ethos is.

Affordable policies

You can tailor your policy to fit your budgets and your needs because we believe that life insurance isn’t a one-size-fits-all solution for your family. Get the policy that’s best for your family today..

Honest advice. No up-selling

You don’t need to talk to an agent – unless you want to. Ours are non-commissioned, meaning their motivation is to help you find the right coverage for your needs, not sell you more.

Why Bay Life Insurance with Ethos

We protect people of different lifestyles to save their wealth, health and good mood.

No Medical exams

Insurance services of any goal and case for every person

We provide our beloved clients with 100% payback

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Dedicated Support

Between me and the Ethos team, we’re committed to helping you find the right coverage.

Flexible Coverage

Get anywhere from $20,000 to $2 million in life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.

Backed by giants

Ethos works with top-rated life insurance companies like Legal & General America, Ameritas Life Insurance Corp., and TruStage®. Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the industry giants that have paid out billions of dollars in claims.

Peace of mind for the price of a nice dinner

In just ten minutes, you could qualify for a policy that could protect your family for decades.

Check my price HERE

How It Works?

Apply for life insurance online in just a few minutes with Ethos' simple application. No medical exams are required. Just answer a few health questions — many customers enjoy same-day coverage!

Get a quote

To get a life insurance quote online, simply answer a few questions about yourself and see estimated costs for various policy options.

Apply in minutes

Our secure, online application is fast and straightforward—you can complete the process in about 10 minutes.

Get coverage

Once you submit your application, we'll process it quickly (often instantly) and let you know about your coverage eligibility and rates. If approved, you can activate your coverage immediately.

Get an instant quote

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.

Apply Now

Here What Our Fans Have to Say

Here are comments from our beloved clients

Simple, easy, quick coverage! I had gone back and forth with another company for weeks for less, more expensive coverage and then heard of you guys! I was qualified and covered within a few minutes! Thank you!

Date of experience:

October 30, 2022