Life Insurance

Protecting the people you love often costs less than you think.

Once you have an idea of the protection amount you may want and the role life insurance may play, the next question is what coverage might cost.

Use the calculator below to estimate the possible daily and monthly cost of term life insurance based on the information you enter.

The estimate is not a quote, insurance policy illustration, or recommendation to buy coverage. It is a starting point to consider your options.

How to Use

Enter the age of the person who would be insured.

Select the sex at birth of the person who would be insured. Pricing may vary by underwriting and carrier.

Select whether the person to be insured currently uses nicotine. Final classification may vary by carrier.

Choose a 10- or 20-year term for this estimate. Other options may be available.

Adjust the protection amount if needed. Estimates are available up to $2,000,000.

Protection Amount

This is the protection amount used for the insurance cost estimate.

Estimated Daily Cost Range

This is the estimated daily cost range based on the information entered.

Estimated Monthly Cost Range

Actual cost may vary based on underwriting, carrier approval, policy terms, and availability.

Ready to see your actual rate?

Continue to Ethos to receive your actual rate in as little as 15 minutes and decide whether to purchase coverage.

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Important Disclosures:

This calculator provides a simplified cost estimate for term life insurance and is not a quote, policy illustration, offer of insurance, or recommendation to buy coverage. Actual rates, eligibility, coverage amounts, policy features, policy forms, available term periods, and insurer availability may vary based on underwriting, carrier guidelines, and state availability. Viewing an estimate or submitting information does not guarantee approval, eligibility, coverage, or any specific premium. Please consult a licensed insurance professional in your state of residence to discuss your individual situation, available options, and whether life insurance may be appropriate for your needs. Insurance products are offered only in states where properly licensed.