Ethos Life Instant Decision Term
Life moves fast—your life insurance should, too. Ethos Instant Decision Term Life Insurance lets you apply online, skip the medical exam in most cases, and get a decision in minutes. Through Diversified Insurance Brokers, a family-owned fiduciary licensed in all 50 states, you can compare options and secure up to $2,000,000 in affordable term coverage—without the traditional hassles.
Protect Your Family Today
Apply online in minutes. Instant decisions. Coverage may start as soon as today.
Prefer to talk it through? Call 800-533-5969 or contact us.
Why Choose Ethos Instant Decision Term?
- No medical exam for many applicants: Answer a few health and lifestyle questions—often no labs or nurse visit.
- Fast approvals: Decisions in minutes for qualified applicants.
- High coverage limits: Up to $2 million in term protection.
- Flexible terms: 10, 15, 20, and 30-year options with level premiums.
- Top-rated carriers: Policies are underwritten and issued by financially strong insurers.
Who It’s Best For
- Busy professionals who want quick, fully online coverage
- Parents protecting household income and education goals
- Homeowners aligning coverage with a mortgage term
- Anyone who’s delayed buying coverage and wants a hassle-free path
How It Works (3 Easy Steps)
- Apply online: Start your application and answer brief health questions.
- Get a decision: Many qualify instantly; some cases may request additional info.
- Activate coverage: E-deliver your policy and set up payment—coverage may begin the same day.
Why Work With Diversified Insurance Brokers
Ethos is a great fit for many—but not for everyone. As a family-owned fiduciary with access to 100+ top-rated carriers, we’ll compare Ethos against alternative instant-decision options such as Ladder, and traditional underwriting if that yields better pricing or features for your health profile. If a unique situation applies (e.g., history of depression or other conditions), we’ll match you to the right carrier—without you restarting from scratch.
Start Ethos Application
or call 800-533-5969
What You Can Customize
- Coverage Amount: Choose a face amount that replaces income and pays major obligations.
- Term Length: Align your term with years remaining on your mortgage, kids at home, or retirement timeline.
- Riders (where available): Common options include accelerated death benefit; some carriers offer child or waiver-of-premium riders (availability varies by state).
FAQs: Ethos Instant Decision Term Life
Do I need a medical exam?
No. Most applicants only answer health and lifestyle questions. In some cases, additional information may be requested, but many qualify without exams.
How fast can coverage start?
If approved, policies are e-delivered and can be activated as soon as your first payment is set up—sometimes the same day.
What coverage amounts and terms are available?
Coverage typically ranges from $100,000 up to $2,000,000, with 10, 15, 20, and 30-year level term options (subject to age and underwriting).
Who issues the policy?
Ethos platforms policies that are underwritten and issued by highly rated life insurance carriers. Claims are paid by the issuing insurer.
Can I convert to permanent coverage later?
Some term policies include conversion options within a stated window. Availability and terms vary by carrier and state—ask us to confirm before you apply.
What if Ethos isn’t the best fit for me?
We’ll compare Ethos with other instant-decision options like Ladder and traditional underwriting from 100+ carriers to find the best overall value for your health, goals, and budget.
How are beneficiaries paid?
Named beneficiaries file a claim with the issuing carrier and submit required documents (e.g., claim form and death certificate). Approved claims are paid by the insurer.
Ready to compare? Get instant-decision term quotes now—or have us shop 100+ carriers for you.
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Choose how you’d like to connect—call or message us, then book a time that works for you.
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Licensed in all 50 states • Fiduciary, family-owned since 1980
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
