Instant Life Insurance with Ethos
no medical exam, no blood test, apply online and get covered today
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Is my application binding?
Not at all. It’s free and you can withdraw at any time, with no fees. Plus, you can make more adjustments to your coverage before anything is finalized.
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Will I be stuck with a policy I don't want?
No. After your application is approved, you can make adjustments so that you get the coverage you need at a price that works for you.
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Who can apply?
All U.S. citizens ages 0-88 are welcome to apply. We are licensed and operates in every U.S. state and the District of Columbia, excluding the state of New York.
Why Clients Prefer Us?
Our clients are at the heart of everything we do and every plan we offer. While our clients go about living their life, we are building an experience in understanding retirement planning, insurance and wealth planning that is simple and fair. Not, your grandparents agency or advisors, but advisors who know and understand that you don’t need interruptions or hindrances in the moves you want to make; you need a safety-net of reliable coverages. That’s why we’re the partner of choice! We cater to people inside the United States.
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We are advisors partnered with many top companies, so we have options from many insurance companies. We can find the right policy for your needs 100% of the time and we work for you.
It doesn’t matter what type of Life Insurance policy is of your interest, we can write it for you!
If you are a federal /government /state employee, we can complete a FEGLI review with you which will include coverage comparison and retirement transition planning (age 50+).
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FERS/CSRS pension analysis
Retirement Eligibility
Retirement Income Planning
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Benefit Timing
Spousal Benefits
Pension Survivor Options
FEGLI Beneficiary Review
Legacy Planning
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All plans offered in the Marketplace cover these 10 essential health benefits:
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Emergency services
Hospitalization (like surgery and overnight stays)
Pregnancy, maternity, and newborn care (both before and after birth)
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
Prescription drugs
Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
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Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
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We will review asset protection, extended care planning, family care consideration along with a trust and will overview.
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Retirement Income Strategies
Estate Planning Coordination
Trust & beneficiary reviews
