State Approved Life Insurance
Life Insurance
in 5 Minutes
$2M in Coverage Starts at $2/Day
No Medical Exam Or Blood Test
$2M in coverage
starts at $5/day
worth $898
instant life insurance provider
worth $968
Instant underwriting
No medical
exams
Same-day
coverage
Free legal
will
Trusted carriers
Instant underwriting
No medical exams
Same-day coverage
Trusted carriers
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].
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].