The Easy Way to get Life Insurance

Guaranteed Coverage

No Medical Exam

No Sales Calls

I was able to get a $600,000 life policy for $29 per month, not just a quote like other companies. The process was revolutionary and it took me only 10 minutes. I never spoke with an agent, and was approved instantly. I highly recommend this easy way to buy life insurance. - Thomas H., Dallas, TX

How does work?

The Ethos technology platform is a proprietary underwriting process, with capabilities of getting a FREE quote or an actual policy, without having to speak with an agent.

Get an instant quote

See your options with a variety of personalized coverage plans to choose from before you apply.

Apply in under 10 minutes

Choose your plan and get coverage in about 10 minutes with no medical exam — just a few health and lifestyle questions.

Access policy information

policies include FREE estate planning tools* ($889 value).

Why Everyone Loves Us

A+ Rated Carriers

Choosing the industry's top life insurance carriers with A+ (Superior) ratings from A.M. Best for insurer financial strength.

Guaranteed Coverage

95% of all applicants qualify for same day coverage 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.

Coverage Options

Get up to $2 million in life insurance protection with no medical exam. 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 just a few minutes!

Instant Coverage

Coverage will start the moment you make your first payment. Keep your coverage active by paying the premiums on time.

Life Insurance Guide

How much Life Insurance do I need?

Life insurance is not one-size-fits-all. It's essential to consider your unique financial and personal situation (such as assets, debts, and future plans) when deciding how much life insurance you should have.

Term vs. Whole Life

Term Life is exactly as it sounds, it is life insurance for a designated term, typically between 10-30 years. Alternatively, Whole Life insurance will last the entirety of your life, your whole life and never increase in price.

How do claims and payouts work?

Your beneficiaries can easily file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier. The carrier will then issue the death benefit payout.

Guaranteed Coverage

No Medical Exam

No Sales Calls

What Matters

We keep your personal information 100% private and safe.

The information provided on this website is not intended as investment or financial advice, or as a recommendation to purchase any specific product. It is recommended to always consult a licensed financial or insurance professional before investing or purchasing any financial product. Detailed product information such as Surrender Yields, Premiums, Age Restrictions, Riders, Fees and Withdrawal provisions vary by product, and may be subject to change without notice.

Depending on your eligibility for insurance, you understand and accept that your information may be transmitted to a licensed insurance agent from Ethos, or an independent insurance agent, who may contact you to provide assistance. You agree to receive phone calls, texts or emails from these agents even if you are on the National Do Not Call Registry.

Legacy Direct, LLC is licensed in the following states: TX, NC, VA, and MO. Legacy Direct, LLC and its partner, Ethos, or Ethos Technologies Inc. operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. License information is listed at https://www.ethoslife.com/licenses. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.

The perk is offered at no additional charge to new policyholders. Your use of the Estate Planning Documents is subject to the Terms of Service and Privacy Policy. Estate Planning Documents are provided by Ethos Estate Planning, LLC and may not be available in all states. Ethos Estate Planning, LLC is not a law firm and our products and services are not a substitute for the advice of an attorney. Estate Planning Tools are available with the purchase of any policy through Legacy Direct, LLC; not available in SD or WA.