1) Quick quote
Answer a few simple questions. Ethos shows personalized options in minutes.
Life insurance, simplified
Protect your loved ones in 10 minutes or less.
Affordable life insurance. No medical exams. Instant decisions. Backed by Ethos, guided by a licensed California agent.
No medical exams
Same‑day coverage possible
100% online
Term • Whole • Final Expense • Accidental
How it works
2) Pick your plan
Term, whole, final expense, and more — choose what fits your family and budget.
3) Get covered
Many policies activate the same day. No medical exam needed for most applicants.
Why Insurance by Cardona + Ethos
No pressure
Apply fully online. Speak with me only if you want guidance before you proceed.
Fast & transparent
Instant decisions and clear pricing shown up front by Ethos.
Licensed & local
California Licensed Insurance Agent (Lic. #0I77671). Backed by trusted carriers.
Common questions
Do I need a medical exam?
Most applicants do not. Ethos will let you know during the quick quote flow if anything else is needed.
How fast can I get covered?
Many customers receive same‑day decisions and coverage. Timing depends on your application and the carrier.
What kinds of coverage can I see?
Term life, whole life, final expense, accidental and more — Ethos will match you to options based on your answers.
Talk to someone before you apply
Prefer a quick chat first? Leave your info and I’ll reach out.