Life insurance online
Apply for life insurance online in minutes.
Term, whole life and final expense plans for ages 20 to 85, with coverage up to $2 million depending on the plan. No medical exam, just a few health questions.
For new coverage only. For an existing policy or a claim, please call your insurance company.
Apply online any time, day or night, from your phone or computer. See your price before you apply.
Opens our secure online application with our partner Ethos.
Eterna is an independent insurance agency, not an insurance company. Your policy is issued by the insurer you choose.
Plans
What you can get.
Plans, prices and availability vary by insurer, age, health and state.
Term life
Coverage for a set number of years, with premiums that stay level for the term.
Whole life
Lifelong coverage with premiums that don't go up.
Final expense
Smaller whole life plans for funeral costs and final bills.
A decision online
Many applicants get a decision during the application. Some need a follow-up from the insurer.
How it works
Apply in a few minutes.
- Tap Apply onlineYour secure application opens in this window.
- Answer a few questionsYour age, state, the coverage you want and some health details.
- See your priceCheck the price before you decide. No obligation.
- Apply onlineIf the plan fits, finish the application and sign online.
Before you start
Have this ready.
- Your date of birth
- Your height and weight
- Medications and any health conditions
- Who you'd like as your beneficiary
- How you'd like to pay the first premium
Apply online any time, day or night, from your phone or computer.
Insurers
Companies our agents are appointed with.
Plans, prices and availability vary by insurer, age, health and state.
Questions
Common questions.
Who issues my policy?
Eterna is an independent insurance agency, not an insurance company. The Apply online button opens our secure application with our partner, Ethos. Your policy is issued by the insurer named in your application.
Do I need a medical exam?
Most plans here don't require a medical exam. Many ask a few health questions on the application. Guaranteed issue plans ask none.
What is guaranteed issue life insurance?
A guaranteed issue plan accepts you within its eligible ages without health questions or an exam. These plans usually pay a limited benefit, often the premiums paid plus interest, if death from natural causes happens in the first two years. Accidental death is typically covered in full from the start.
How long does it take?
Many people finish in one sitting. Some insurers give a decision during the application; others follow up by email or phone. Coverage starts once the insurer approves you and receives the first premium.
Can you help with my existing policy or a claim?
No. These applications are for new coverage only. For an existing policy, a payment or a claim, please call your insurance company directly.
Can I talk to someone instead?
Yes. Call Eterna at (949) 807-3995, Monday to Friday, 9am to 9pm ET. A licensed agent can compare plans from several insurers with you.
About Eterna
On your side, not the insurer's.
Independent
We compare several insurers, not just one.
Licensed agents
Licensed agents walk you through every option.
No obligation
Your quote is free. You decide if and when to apply.
Next step
Ready to apply?
See your price and apply online in minutes. No obligation.