Life is Unpredictable. Protect What Matters Most — Starting Now
Secure your family's future with affordable, flexible coverage that fits your life and your business
Whether your protecting loved ones or your livelihood, Covered Horizons partners with Ethos life and Next business insurance to bring you smart ,reliable protection at every stage.
No medical exams or blood tests.
Get Instant life Insurance from Covered Horizons
Life moves fast — don’t let protection wait. Covered Horizons makes securing life insurance simple, affordable, and instant. Just the peace of mind your family deserves. Start today and protect what matters most.
With Covered Horizons
The Ease and Simplicity of getting Life Insurance. So easy, Its silly.
Tomorrow is never promised — but your family’s security can be. Covered Horizons makes it easy to get covered now with affordable plans, Start today and give your loved ones lasting peace of mind.
Affordable Coverage, Peace of Mind and Customized Plans tailored to your needs
Your loved ones deserve security you can trust. At Covered Horizons, we offer transparent, hassle-free life insurance designed around your needs and budget. No surprises, no delays — just protection that starts today. Policies for about $1/Day for $500K in coverage*
30 Day Money Back GuaranteeÂ
We can offer coverage to more than 90% of applicants, from age 20-85.
Try Covered Horizons through Ethos risk-free. If you change your mind within 30 days, you’ll get a full refund — no questions asked. Your peace of mind comes first.
FREE Will & Estate Plan Included
(Eligibility varies by product and state)
Your policy comes with more than protection — it comes with peace of mind. Every Covered Horizons life insurance plan includes a complimentary Will & Estate plan, so your legacy is secure, and your loved ones are cared for — at no extra cost.
Ensure your child's future
As a parent, you work hard every day to build a better life for your children. But have you thought about securing there future if the unexpected were to happen? Life insurance is a powerful tool that not only protects you but ensures your children are financially supported, no matter what.
A Legacy of Love and Care
Your greatest gift is the security you leave behind. With our trusted life insurance and complimentary Will & Estate plans, you can protect your family’s future, honor your wishes, and let your love live on — today, tomorrow, and always.
With Covered Horizons
The Ease and Simplicity of getting Life Insurance
Life doesn’t wait — and your coverage shouldn’t either. Covered Horizons makes it simple to secure life insurance instantly, with no hidden fees or endless paperwork. Get a personalized plan that fits your needs and budget, and give your loved ones the peace of mind they deserve — starting today.
Affordable Coverage, Peace of Mind and Customized Plans tailored to your needs
No two families are the same — and neither are their insurance needs. That’s why we offer flexible coverage options designed around your life, your budget, and your peace of mind. Get the protection you need, without paying for what you don’t.
30 Day Money Back GuaranteeÂ
We can offer coverage to more than 90% of applicants, from age 20-85.
Try Covered Horizons risk-free. If you change your mind within 30 days, you’ll get a full refund — no questions asked. Your peace of mind comes first.
FREE Will & Estate plansÂ
Eligibility depends on product and state
Secure your family’s future with more than just life insurance. Every policy from Covered Horizons includes a free, easy-to-create Will & Estate plan — so your wishes are honored and your loved ones stay protected, no extra cost
Ensure your child's future
As a parent, you work hard every day to build a better life for your children. But have you thought about securing there future if the unexpected were to happen? Life insurance is a powerful tool that not only protects you but ensures your children are financially supported, no matter what.
A legacy of love and care
Your life’s greatest gift is the security you leave behind. With our trusted insurance and free Will & Estate plans, you ensure your family’s future is protected, your wishes are honored, and your love lives on — today, tomorrow, always
Powered by Ethos. Delivered by Covered Horizons. Apply in minutes.
No medical exam, Instant decision. Policies for about $1/day for $500K *Â
Our modern, 100% online experience makes applying simple, fast, and stress-free — in as little as 5 minutes.
Get coverage up to $2 million with no medical exam required — just answer a few quick health questions and you’re done.
Together with Next Insurance, we deliver fast, flexible, and affordable coverage for your growing business.
With over 1,300 types of business insurance policies, we offer protection for virtually every profession, trade, and business model.
Whether you run a small startup, a family-owned shop, or a large company, we have the right coverage for you. Explore our popular business insurance options below and find the protection that fits your work best.
General Liability Insurance: as low as $19.95
Helps protect your business from everyday risks 100% dedicated to small business, get insured in just a few clicks.
Workers’ Compensation Insurance: as low as $24.95
Covers Employee injuries on the job-medical bills, lost wages, and peace of mind for your business, get covered in minutes.
Commercial Property Insurance
Protects your business space, equipment, and inventory from unexpected damage, instant protection zero hassle..
