Ethos Life Insurance
Instant online decision. No medical exam. Rated A+ by BBB. Most popular with Coverloom users.
41% of Americans have no life insurance. Use our free calculator to see how much you need — then compare quotes from top-rated carriers instantly.
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Estimated rates based on your age and coverage amount. Click to get your exact quote.
Instant online decision. No medical exam. Rated A+ by BBB. Most popular with Coverloom users.
5-minute application. Term life up to $1.5M. Backed by North American (A+ AM Best).
Matches you across multiple carriers for the lowest rate. Coverage up to $10M. Agent-assisted option available.
After my second child was born, I finally sat down and ran the numbers on our family's life insurance. Turns out we were underinsured by over $400,000 — enough to lose the house if something happened to me. The worst part? I'd been putting it off for years because comparing policies felt overwhelming. I built Coverloom so no family has to go through that same uneasy realization. It takes 60 seconds. Just check.
Most financial experts recommend carrying life insurance coverage equal to 10–12 times your annual income. But that rule of thumb doesn't account for your specific situation — your mortgage, your children's education costs, or your existing savings.
The Coverloom calculator uses a more complete formula: we take your annual income multiplied by an age-adjusted factor, add your remaining mortgage balance, and include $50,000 per dependent for future education expenses. This gives you a realistic estimate of what your family would need to maintain their standard of living.
Term life insurance covers you for a set period — typically 10, 20, or 30 years — and is the most affordable option for most families. A healthy 35-year-old can get $500,000 in term coverage for about $25–$35 per month. Whole life insurance provides permanent coverage with a cash value component, but costs 5–10x more. Most financial advisors recommend term life for families focused on income replacement.
Traditional life insurance policies require a medical exam including blood work and a health questionnaire. Today, carriers like Ethos and Bestow offer no-exam policies with instant online decisions. You answer a few health questions, and if approved, you can be covered the same day. These policies may cost slightly more than examined policies, but the convenience makes them increasingly popular — especially for healthy applicants under 50.
The best time to buy life insurance is when you're young and healthy — rates increase significantly with age. A policy at 30 costs roughly 30–40% less than the same policy at 40. Key life events that signal it's time to get covered include getting married, buying a home, having children, or taking on significant debt.
Enter your income, dependents, and mortgage to see exactly how much coverage your family needs.
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Choose the best fit and apply directly with the carrier. Many offer instant approval with no medical exam.