You probably already know that life insurance is an important tool for helping protect your family’s financial future, but now it’s easier than ever to get covered by applying with Ethos. The application is all online, takes just minutes, and most people don’t have to get a medical exam if they answer just a few medical questions. Prices vary by age and health, but up to $1 million policies start at just $30 a month, and some applications are approved the same day they are submitted.