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Last updatedJuly 2025
1
Fast Application
ethos logo image
9.2
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.2
Features & Benefits
Based on our editorial reviews
9.6

Ethos

Our Top Choice
Term life insurance starting at $10/month
A+ BBB rating
Coverage from $100K to $3M
No medical exam needed
5-minute online application​

573 peoplevisited this site today

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8,398 visitors

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Editorial Reviews
Ethos
Ethos
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Most Popular On BestMoney
ethos logo image
9.2
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.2
Features & Benefits
Based on our editorial reviews
9.6

Ethos

Our Top Choice
Term life insurance starting at $10/month
A+ BBB rating
Coverage from $100K to $3M
No medical exam needed
5-minute online application​

573 peoplevisited this site today

VIEW RATES
Read Review
FAQ
1. What is term life insurance and who should consider it?
Term life insurance provides coverage for a specific period (such as 10, 20, or 30 years). If you pass away during the term, your beneficiaries receive a payout. If the term expires, coverage ends unless you renew or convert the policy. Term life insurance is ideal for people who need coverage for a set period, such as parents with young children, homeowners paying off a mortgage, or individuals looking for affordable protection.
2. What happens if I outlive my term life insurance policy?
When the term ends, your coverage expires. Some policies allow you to renew at a higher rate, convert to whole life insurance, or purchase a new policy.
3. Is term life insurance cheaper than whole life insurance?
Yes, term life insurance is usually more affordable because it only provides coverage for a limited time and doesn’t include a cash value component.
4. What can term life insurance be used to cover?
Term life insurance is often used to provide financial protection for families during critical years. It can help replace lost income for a spouse or children, cover mortgage payments to prevent the need to sell the family home, and pay for children’s education expenses. Additionally, it can be used to settle outstanding debts, such as student loans, car loans, or credit cards, while providing overall financial security during the years when a family is growing and expenses are high.