Ethos is a life insurance provider founded in 2016. The company offers term life policies with coverage up to $2 million and guaranteed whole life policies with coverage up to $30,000. They don't require a medical exam, simply answer a few health questions, and you could be covered up to age 80. Some term life plans include an accelerated death benefit. You can get a quote and apply online, and premiums start from just $7 per month*.
Term life insurance policies available with Ethos are suitable for anyone in search of affordable life insurance online. Premiums start from only $7 per month*.
US Citizens or permanent residents aged 20-65 can apply, and term lengths could run until you reach 80 years old. Applicants do not need a medical exam, most individuals can get a coverage decision instantly by simply answering a few health questions.
Ethos guaranteed whole life insurance policies are suitable for older individuals who want to ensure their end-of-life costs are covered. Please note: there is a graded death benefit, and end of life costs are not "ensured" during this timeframe. These plans are available to anyone 65-85 years old, and you cannot be denied coverage regardless of your health.
Ethos offers term life insurance and guaranteed whole life insurance policies.
Term life insurance policies are available with terms of 10, 15, 20, or 30 years and coverage from $20,000 to $2 million in $25,000 increments. You must be 20-65 years old to qualify, and your policy’s term is limited such that it cannot extend past when you would turn 80. All term life policies come with an accelerated death benefit rider, but no other riders are available.
Term life premiums start at $9 per month. For a healthy 35-year old male with excellent credit, a 30-year term life policy with a $1 million death benefit was quoted at $91-$152 per month. Term life policies don’t require a medical exam, just answer a few health questions.
Guaranteed whole life insurance policies at Ethos are available to individuals aged 65-85. You cannot be denied coverage, no matter your medical history. You can choose a death benefit from $1,000 to $30,000. Your policy immediately covers accidental death, but coverage for death due to illness or old age may take up to 2 years to take effect. Premiums start at $74 per month.
Ethos’ application process is fully online. Anyone aged 20-65 can apply for term life insurance, while anyone aged 65-85 can apply for whole life insurance. You can get a free quote online in seconds.
Here’s how the application process at Ethos works:
Overall, the application process at Ethos is straightforward and fast. You can get a quote, apply, and get your life insurance policy in as little as 10 minutes. If you need help, you can get in touch with Ethos’ support team by phone, text, or email.
Ethos has a 4.6-star rating with Trustpilot and an A+ rating with the Better Business Bureau. The company is also backed by well-known celebrities and investors including Jay-Z, Will Smith, and Kevin Durant. If you’re not happy with Ethos, you can cancel within 30 days for a full refund. You can also cancel your policy at any time with no penalties.
Policies issued by Ethos are underwritten by major life insurance companies including Legal & General, Ameritas Life Insurance, and TruStage. Ultimately, when your beneficiary files a claim, these companies will adjudicate your claim and pay out your death benefit. All have an A or better financial stability ratings from A.M. Best.
Ethos offers customer support by phone, text, and email 8AM-6PM (CT) Monday-Friday. The company also has a detailed FAQ page.
Ethos doesn’t handle any claims. Your beneficiary must contact the insurance carrier that underwrites your policy directly in order to file a claim.
Ethos offers term life insurance policies with coverage up to $2 million and guaranteed whole life insurance policies with coverage up to $30,000. Term life policies can cover you until you turn 80, while whole life policies are available to anyone aged 65-85. The company offers a straightforward online application and many policies don’t require a medical exam - simply answer a few health questions. You get a 30-day money-back guarantee and access to customer support 5 days a week by phone, email, and text.
75 Hawthorne St, Suite 2000. San Francisco, CA 94105
Ethos operates in some states as Ethos Life Insurance Services. CA License #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers . Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.
*Quote is for a healthy, non-smoking 25 year old female for a 10 year, $100K policy