01
Check your price
Answer a few basic questions to explore the coverage options available to you.
Online life insurance
Protect your family. Apply on your time.
Explore coverage and apply online through our Ethos partner link. Many applicants can apply without a medical exam. Applications contain certain health questions. Eligible applicants may receive a decision in minutes.
Eligibility, pricing, product availability, and decision times vary. Coverage is subject to underwriting.
About 10 minutesfor many applications
No office visitapply from your phone or computer
Apply onlineanswer health questions securely
Real agent supportKeith is here if you need help
Simple by design
From “I need coverage” to a completed application.
No appointment to schedule and no paperwork to mail. Move through the application at your own pace, with licensed guidance available when you want it.
02
Choose your coverage
Review the policy details and select an option that fits your family and your budget.
03
Complete your application
Finish online through Ethos. Decision timing varies by applicant and underwriting needs.
Before you begin
A smoother application starts with a little preparation.
- 01Think about your beneficiary
Know who you want the policy to protect.
- 02Have your health details nearby
Answer every application question completely and honestly.
- 03Choose a comfortable premium
Select coverage you can confidently keep in place over time.
Complete family protection
Life insurance creates the protection. An estate plan gives it direction.
Possible policyholder benefit Certain life insurance policies offered through Ethos may include will and estate-planning tools through a policy rider. Review the policy documents for applicable benefits and limitations.
Will Estate Plan
A clear plan for your family and assets.
$149current standalone price
Best for: Cost-conscious families seeking straightforward estate planning.
- Last will and testament
- Guardianship instructions for children and pets
- Power of attorney
- Medical consent and healthcare directive
- Attorney-vetted document templates
Add a spouse’s plan+$100
Start my Will plan Pinkney partner link · spouse option includedMore comprehensive
Trust Estate Plan
More privacy and control over your assets.
$349current standalone price
Best for: Privacy-minded families, those seeking to reduce probate exposure, or owners of real estate in multiple states.
- Everything included in the Will Estate Plan
- Revocable living trust
- Schedule of assets
- Planning for assets properly placed in the trust
- Attorney-vetted document templates
Add a spouse’s plan+$100
Start my Trust plan Pinkney partner link · spouse option includedNot sure which protection fits?
Choose a Will or Trust plan above for a direct self-service checkout, or start with the life insurance application to explore eligible coverage and policy benefits.
Standalone prices shown are current Ethos portal prices as of August 2026 and may change. Estate-planning services are provided by Ethos Estate Planning, LLC, a separate service from life insurance. Ethos Estate Planning, LLC is not a law firm and does not provide legal, tax, financial, investment, or accounting advice. Availability and execution requirements vary by state. Online wills and trusts are not available in Alaska or Louisiana; policyholder benefits and policy riders have additional limitations.
Human help, when you want it
Online convenience. Local accountability.
You can complete the application yourself, but you are not on your own. If you have a general process question, Keith Pinkney is only an email away.
Protect your privacy: Enter medical, financial, and identity information only inside the Ethos application. Please do not send sensitive personal information by email.
Good to know
Questions before you start?
Here are the answers most families want before beginning an online application.
Will I need a medical exam?
Many applicants can apply without a medical exam. Applications contain certain health questions. Additional information may be required depending on your application and underwriting needs.
How long does the application take?
Many people can complete the online application in about 10 minutes. A coverage decision may be immediate or may take longer if additional review is needed.
Can I get help from a real person?
Yes. Keith Pinkney is available to help you understand the process. Your personal health information should be entered only in the Ethos application—not sent by email.
Can life insurance include Will or Trust tools?
Certain eligible life insurance policies offered through Ethos may include will and estate-planning tools through a policy rider. Benefits vary by policy, document, and state. Review the policy documents for the applicable benefits, terms, and limitations.
When does my coverage begin?
Coverage does not begin just because an application is submitted. It starts only after the carrier approves and issues the policy, you accept it, and any required first payment is completed, subject to the policy terms.
Protecting families. Protecting your future.