Get coverage in 3 easy steps
Get a quote
To get a life insurance quote online, simply answer a few questions about yourself and see estimated costs for various policy options.
Apply in minutes
Our secure, online application is fast and straightforward—you can complete the process in about 5 minutes.
Get coverage
Once you submit your application, we'll process it quickly (often instantly) and let you know about your coverage eligibility and rates. If approved, you can activate your coverage immediately.
What to expect when you apply:
RiS takes the guesswork out of the application process. Answer a few basic questions and see which products offer the best fit for your coverage needs.
How do you determine what policy is best for me?
We start with your age. If you're between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved.
Applicants ages 20 to 65 are eligible for our policies using the information on your application as well as our proprietary technology and smart underwriting, we can offer a range of coverage options.
Who can apply?
All U.S. citizens ages 20 to 85 can apply.
What information do I need?
To ensure your application goes quickly and smoothly, have the following information handy:
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Driver's license
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Social Security number (to verify your identity)
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Personal and family medical history
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Current prescription information
Why do we need this information?
To provide you with instant coverage, we ask for your driver's license information and social security number to verify your identity in real-time. Having your medical history and prescription information gives us a clear picture of your health without requiring a medical exam. Rest assured that this information remains secure and confidential.
What if I change my mind during or after my application?
You may start an application and withdraw from the application process at any time without penalty. Before issuing any coverage to you, we will tell you the amount of coverage and premium we will offer you. If you like our offer, you can add your electronic signature at the end of the application to confirm the information provided is correct, and you will be issued coverage. You always have a 30 day period to cancel coverage and get your money back if you change your mind.
What kind of questions will I be asked?
Depending on which of our products you qualify for, the application process will vary.
Applicants between 66 and 85 are eligible for our guaranteed issue whole life policy and can get approved after answering a few simple questions.
Term policies require additional questions, but applications can still be completed in minutes. In general, you can expect questions related to:
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Your health
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Your legal and driving history
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Your health insurance history
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Your employment and income status
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Your lifestyle and hobbies
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Your drug and/or alcohol use
Ready to get started?
Get an instant personalized quote
How do policy claims and payouts work?
Your beneficiaries can easily file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier. The carrier will then issue the death benefit payout.
Assuming there are no unusual circumstances, your beneficiary will receive an untaxed, lump-sum payment for the policy's value (the death benefit). Suppose you purchase $250,000 in coverage. In that case, your beneficiary will receive a tax-free $250,000 lump-sum payout. In some instances, the payout may shift slightly due to policy loans or the inclusion of a graded death benefit (if you have a whole life policy with a graded benefit). See your policy documents for more details
Exclusions
There are several reasons why a claim might not be paid. These include fraud, misstatements, or material misrepresentations of the information provided in your application. That's why it's important to be truthful in your application. A claim can also be denied if the insured's death results from suicide in the first two years of the policy being in effect. Details may vary by state, so refer to the policy or ask us for additional information.
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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.
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What kind of life insurance does RiS 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 policies here.
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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
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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: Ethos is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.
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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.
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Can I speak with someone on the phone?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 rushtoninsurancesolutions@gmail.com
