Life insurance can help cover major expenses like mortgages, debts, and tuition while also replacing lost income. It provides financial security for everyday costs, giving your beneficiaries the flexibility to use the payout as needed.

We provide term life insurance for individuals aged 20-65 and guaranteed issue whole life insurance for those aged 65-85. Term policies range from 10 to 30 years, with coverage amounts between $20K and $2 million, based on eligibility. Find out more about our coverage options today.

Employer-provided life insurance usually covers only 1-2 times your annual salary, which falls short of the recommended amount. Financial experts suggest having coverage equal to about 10 times your salary. To bridge this gap, many individuals purchase additional term life insurance.

U.S. citizens and permanent residents aged 20-85 can apply for DIY coverage. Those 65 and under can keep term policies until age 80, while those over 65 may find guaranteed issue whole life insurance a quick and easy option. Ethos operates in all 50 states and Washington, D.C., except New York.

An easy way to estimate coverage is to multiply your annual income by 10 or subtract your assets from your long-term financial obligations. The difference is the coverage gap life insurance should fill. To simplify this process, try our life insurance calculator.

Yes! Applying is completely free and won’t impact your credit score. Every policy includes a 30-day free look period with a money-back guarantee—cancel within 30 days for a full refund. After that, you can cancel anytime without fees or penalties. Just call or email us to request an electronic surrender form, and we’ll process your cancellation hassle-free.

We’ve built an industry-leading product that is transforming how people apply for life insurance. Our proprietary underwriting engine algorithmically assigns each customer to the appropriate product so applicants can get the coverage that best fits their unique needs as fast as possible. 

Yes! We’re here to help anytime. Reach out to our customer success team at support@diy.com.