 Hon, we need to stop putting off getting life insurance. I know. It's just been so busy, and I'm sure the cost is out of our budget. Well, Jen told me that they got a $500,000 term life insurance policy from Ethos for less than $23 a month. All online, with no complicated forms, and no medical exam. All they had to do was answer a few health questions. Wait, no medical exam, and all online?