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EliLife.com is a proud US veteran-run agency and an independent partner of Ethos, the leader in life insurance technology.

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Recognizing that many Americans struggle with understanding life insurance or have inadequate coverage, empowered by Ethos, we strive to make life insurance more accessible and straightforward for everyone.

Life insurance that puts you first

Fast, straightforward application

Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, so you can focus on what matters. Most applicants don't even need a medical exam.

Expert advice

If you want help, our team of licensed agents is dedicated to finding you the right life insurance policy for you.

Flexible, affordable options

We analyze your information against our wide range of products in real-time, matching you to a policy that fits your needs with a price that works for you.

Automated & simplified underwriting

Our simplified underwriting process uses new technology and predictive modeling to provide instant decisions, with no medical exams for most people. When that isn’t possible, we’ve reduced the time you wait from months to days.

Money-back guarantee

If you’re not happy with your policy in the first 30 days for any reason, we’ll refund your payment in full. No problem.

Cancel anytime

You can cancel your policy anytime, with no cancellation fees.

Coverage you can trust

Our policies are insured by established life insurance companies like Mutual of Omaha, Legal & General America, Ameritas Life Insurance Corp., and TruStage™. By combining our streamlined application process with their coverage, we've been able to shrink the application process down to just minutes, compared to the weeks traditional applications require. You get the dependability of major insurers and the convenience of a modern technology company.

The Standard in Modern Life Insurance
Our Commitment

At EliLife.com, we are committed to excellence and a head-ache free experience. 

Unwavering Support

You receive a dedicated US agent with 24/7 support, ensuring you always have someone to rely on.

Proactive Monitoring

We provide continuous account monitoring to keep your information current, ensuring your loved ones are taken care of when they need it most.

Ethos Partnership

While we are independent, our collaboration with Ethos allows us to offer cutting-edge solutions combined with personalized service, making life insurance simple and affordable.

These benefits are in addition to all the 24/7 support available to you as an Ethos customer. At EliLife.com, we are here to serve. We don’t just sell and forget; we check in regularly to ensure all your i's are dotted and t's are crossed, providing ongoing support and peace of mind.

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Our military background instills in us the values of dedication and reliability. We ensure you receive the best possible service and protection for your family.

See what our customers are saying

via Trustpilot

Getting life insurance was so easy... 

Getting life insurance was so easy through Ethos. I've been procrastinating doing it for years because the whole process felt intimidating and confusing. Ethos cut right through all that and made it simple for me.

Laleh H.

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via Trustpilot

Fast approval & great life insurance rates!

Extremely efficient easy application process & took less than a week for approval. Compared premiums from many insurance companies & Ethos Life had the best rates. Medical not required. HIGHLY RECOMMENDED! 

Donald L.

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via Trustpilot

This was such a good experience looking...

This was such a good experience looking at insurance policy options. The experience working with the Ethos team was so simple and easy. In the end I was given options that exceeded my expectations and gave me peace of mind thay my wife is in good hands if something happened to me.

Roger H.

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via Trustpilot

They made it extremely and easy...

simple They made it extremely simple and easy to apply. The process took much less time than the competition. Their representatives were cordial and friendly. The cost was a third less. I would highly recommend this company.

Mason E.

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