How It Works
A simple, three-step process designed for your convenience and peace of mind.
01
Check Eligibility
Answer a few simple questions about your health and lifestyle to see if you qualify for a no-medical-exam policy.
02
Apply Online
Complete your application in minutes using our secure, encrypted platform. No medical exams required.
03
Get Covered
Once approved, your policy is issued instantly. Start protecting your family today.
Mortgage Protection
Ensure your home stays yours. We provide coverage that pays off your mortgage in the event of your passing.
Choose the Protection That Matters Most
Secure your future with tailored life insurance solutions designed for your unique life stage and goals.
Family Protection
Provide financial security for your loved ones. Our policies cover the costs of education, living expenses, and more.
Final Expense
Peace of mind for your final days. We cover the costs of burial, cremation, and final medical expenses.
Frequently Asked Questions
Find answers to common questions about our no-medical-exam life insurance policies through Ethos.
How does the no-medical-exam process work?
No-exam life insurance lets you apply without a physical exam, but insurers still review health and background data to assess risk.
Who is eligible for these policies?
US citizens and permanent residents from ages 20-85 may apply in every US state, except New York.
What types of coverage are available?
We offer several types of life insurance, including Term Life, Mortgage Protection, and Final Expense coverage, tailored to your specific financial goals and needs.
How long does the application process take?
Approval may be instant or take a few days, depending on the policy type and the applicant’s profile.
Can I change my coverage amount later?
Yes, you can adjust your coverage amount and term length after you apply.