Protect your family for about $25/month.
Get straightforward answers, explore your options, and when you're ready, start your application through Ethos. No sales calls, no medical exams for most applicants.
Takes ~5 minutes · No obligation · Official Ethos partner
Zero Pressure
Explore at your own pace without unsolicited sales calls.
No Exam Options
Instant online digital decisions for qualified applicants.
Top-Tier Carriers
Backed by A+ rated American financial institutions.
Have Questions? Ask Brian's Insurance Assistant
Get plain-English answers to any life insurance question in real-time. Try one of these popular questions:
🔒 100% Free & Educational. No personal records stored.
See How Much Coverage You May Need
Adjust the sliders below to calculate an educational estimate based on your debts, salary replacement, and family goals.
Recommended Total Coverage
Suggested Term: 20-Year Term
Takes ~5 minutes · No obligation · Official Ethos partner
Not ready to apply? Keep your estimate.
We'll email you your personalized coverage summary, term recommendations, and our California term life buying guide. No sales calls, ever.
We respect your privacy. No spam. One-click unsubscribe anytime.
Estimated 20-Year Term Life Monthly Costs
Sample estimated monthly rates for healthy non-smokers in California across common coverage amounts.
| Applicant Age | $250,000 Coverage | $500,000 Coverage | $1,000,000 Coverage |
|---|---|---|---|
| Age 25 | $12 – $16 / mo | $18 – $24 / mo | $28 – $38 / mo |
| Age 30 | $14 – $18 / mo | $20 – $27 / mo | $32 – $44 / mo |
| Age 35 | $17 – $23 / mo | $25 – $34 / mo | $42 – $58 / mo |
| Age 40 | $24 – $33 / mo | $38 – $52 / mo | $65 – $88 / mo |
| Age 45 | $38 – $52 / mo | $58 – $78 / mo | $105 – $145 / mo |
| Age 50 | $62 – $85 / mo | $95 – $135 / mo | $175 – $245 / mo |
Why Brian Todd Partners with Ethos
Ethos gives my clients direct access to America's most respected life insurance carriers with instant online underwriting and zero sales pressure.
A+ AM Best Rated Carriers
Underwritten by industry leaders including Legal & General America (Banner Life), Ameritas, and TruStage.
No Medical Exam Required
Over 90% of eligible applicants qualify online without blood draws or nurse visits.
100% Digital Self-Service
Explore live prices, adjust your terms on screen, and finish your application in 5–10 minutes.
California 30-Day Free Look
Every policy comes with a state-mandated 30-day money-back guarantee for complete peace of mind.
Official Ethos Partner Invitation Code: 80111
Takes ~5 minutes · No obligation · Official Ethos partner
Getting an SBA loan? You'll probably need life insurance too.
Most SBA lenders require life insurance collaterally assigned to the loan when the business depends on you — commonly on loans over $350,000. Borrowers usually find out near closing, when there's no time for blood tests and paperwork marathons. Most applicants qualify with no medical exam and instant decisions so closing stays on schedule.
Takes ~5 minutes · No obligation · Official Ethos partner
A Human-First Approach to Life Insurance
Brian Todd is an independent insurance professional dedicated to helping families and individuals demystify life insurance through clear education, transparent digital tools, and zero high-pressure tactics.
Frequently Asked Questions
Clear answers to everyday questions.
Ready to Protect Your Family's Financial Future?
Continue to Ethos to get your official personalized rate with A+ rated carriers in just a few minutes.
Takes ~5 minutes · No obligation · Official Ethos partner