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State Approved Life Insurance

Life Insurance

in 5 Minutes

3,954 families approved this week

$2M in Coverage Starts at $2/Day

No Medical Exam Or Blood Test

$2M in coverage

starts at $5/day

2,756 families

approved today

No medical exams or blood tests

The #1 no-medical-

exam, instant life

insurance provider

Get covered

in 5 minutes

Up to $2 million

in coverage

Free will & trust

worth $898

The #1 state approved,

instant life insurance provider

Get covered

in 8 minutes

Up to $2 million

in coverage

Free will & trust

worth $968

HOW IT WORKS:

We calculate your rate

in real time, so you can

get covered in 5

minutes.

HOW IT WORKS:

We calculate your rate in

real time, so you can get

covered in 8 minutes.

Do you have a will?

Ethos has you covered. Eligible

policies include a free will & more

worth $898.

Do you have a

will?

NIG has you covered. Eligible policies

include a free will & more worth $968.

Life insurance

made easy

See how Ethos is changing the way

people buy life insurance.

Traditional life insurance

Instant underwriting

No medical

exams

Same-day

coverage

Free legal

will

Trusted carriers

Life insurance made easy

See how NIG is changing the way people buy life insurance.

Traditional life insurance

Instant underwriting

No medical exams

Same-day coverage

Trusted carriers

Frequently asked

questions

What does life insurance cover?

It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout. Learn more about how it works.

What kind of life insurance does National Insurance Group offer?

We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $2 million, depending on what you qualify for. Learn more about our policies here.

But I have insurance through my employer, isn’t that enough?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work. Learn more.

Who is eligible to apply?

Age: All U.S. citizens and permanent residents ages of 20-85 can apply for coverage with Ethos. If you’re 65 and under, you can own term coverage until age 80. If you are over 65, a guaranteed issue whole life insurance policy might be an easy way for you to get coverage quickly. Location: National Insurance Group is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.

Does National Insurance Group offer a money-back guarantee?

Yes. Our application is 100% free and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy. You can cancel your policy by calling or emailing us, and requesting a surrender form for you to sign electronically. We will cancel your policy upon receipt, and there's never any cancellation fees.

What makes National Insurance Group different?

We’ve built an industry-leading product that is transforming how people apply for life insurance. Our proprietary underwriting engine algorithmically assigns each customer to the appropriate product so applicants can get the coverage that best fits their unique needs as fast as possible. Check your final, approved rates in a matter of minutes and get covered today.

Can I speak with a real person?

Yes—we’re happy to assist and support you anytime. You can get in touch with our customer success team by sending us an email at [email protected].

Frequently asked questions

What does life insurance cover?

It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout. Learn more about how it works.

What kind of life insurance does National Insurance Group offer?

We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $2 million, depending on what you qualify for. Learn more about our policies here.

But I have insurance through my employer, isn’t that enough?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work. Learn more.

Who is eligible to apply?

Age: All U.S. citizens and permanent residents ages of 20-85 can apply for coverage with Ethos. If you’re 65 and under, you can own term coverage until age 80. If you are over 65, a guaranteed issue whole life insurance policy might be an easy way for you to get coverage quickly. Location: National Insurance Group is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we created a life insurance calculator to help you determine your coverage needs.

Does National Insurance Group offer a money-back guarantee?

Yes. Our application is 100% free and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy. You can cancel your policy by calling or emailing us, and requesting a surrender form for you to sign electronically. We will cancel your policy upon receipt, and there's never any cancellation fees.

What makes National Insurance Group different?

We’ve built an industry-leading product that is transforming how people apply for life insurance. Our proprietary underwriting engine algorithmically assigns each customer to the appropriate product so applicants can get the coverage that best fits their unique needs as fast as possible. Check your final, approved rates in a matter of minutes and get covered today.

Can I speak with a real person?

Yes—we’re happy to assist and support you anytime. You can get in touch with our customer success team by sending us an email at [email protected].

Lock in your best price

today

Over 40 years old? Your life insurance

price will increase 10% every 6 months

you wait to start coverage. With Ethos, getting covered only takes 5 minutes.

Lock in your

best price today

Over 40 years old? Your life insurance

price will increase 10% every 6 months

you wait to start coverage. With NIG,

getting covered only takes 8 minutes.