Ethos Life Insurance Reviews

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About Ethos Life Insurance

Ethos takes a modern approach to life insurance policies, with no medical exam requirement and same-day coverage from top carriers. Policies can be customized to a budget, and sales agents don't work on commission, so there's no pressure to upsell or provide products you don't need. Term life and whole life policies are available. Get started with a free online quote.

Visit www.ethos.com
Pros
  • Same-day coverage
  • No pressure
  • Free online quote
Cons
  • Age limitations
  • Limited riders

What is Ethos life insurance?

Ethos is an online life insurance provider that offers term life and whole life policies through trusted insurance carriers. Provide information to get a free quote online, and then purchase a policy without a medical exam — just answer a few health questions online. The fast, automated underwriting process means coverage can start as soon as the same day. If you aren't satisfied with your purchase, you can get a full refund within the first 30 days.

Ethos life insurance policies and coverage

Ethos offers term life and whole life insurance policies through top carriers including Legal & General America, Ameritas Life Insurance Corp. and TruStage. Each policy type includes extra features. Term life policies are guaranteed to be renewable and have level premiums. Whole life insurance plans include an accidental death benefit, accruing cash value, policy loans and reduced paid-up or extended term insurance options.

Here are the details of each type of Ethos life insurance policy.

PlanTerm lengthBenefit amountIssue ages
Term life10, 15, 20 or 30 years$100,000 to $3 million20 to 69
Whole lifeLifetime$10,000, $15,000, $20,000 or $25,00066 to 85
Term length10, 15, 20 or 30 yearsLifetime
Benefit amount$20,000 to $1.5 million$10,000, $15,000, $20,000 or $25,000
Issue ages20 to 6969 to 85

Ethos quotes

The cost of your Ethos policy is based on your age, sex, health, lifestyle and the policy terms. For example, a 25-year-old smoker might pay an average of $92 per month for a 10-year term life policy with a death benefit of $1 million, while a nonsmoker would pay an average of $40 per month for the same policy. Complete Ethos’s online quote form to receive a personalized price in minutes. You can also request a quote over the phone.

Ethos FAQ

Does Ethos require a medical exam?

No, Ethos doesn't require a medical exam or any blood tests. You'll just answer a few questions about your health.

Does Ethos have a waiting period?

There is no waiting period with Ethos policies. Coverage begins as soon as you accept the terms and are charged for your first premium.

What is Ethos’s cancellation policy?

Ethos has a 30-day money-back guarantee, during which you'll receive a full refund if you cancel for any reason. After the first 30 days, you can still cancel at any time with no cancellation fees.

How do I apply for Ethos life insurance?

You can apply for Ethos life insurance online or over the phone. Have your driver’s license, Social Security number, personal and family health history and current medication information ready.

Is there an age limit for Ethos life insurance?

Term life policies have an issue age limit of 20 to 69, while whole life policies have an issue age limit of 66 to 85.

Still have questions?

Is Ethos life insurance legit?

Ethos provides a convenient, low-pressure way to purchase term and whole life insurance. No medical exam is required to purchase a policy — you only have to answer a few questions online. There’s no waiting period before coverage kicks in. Get a quote on Ethos's website to determine if your personalized rate is within your budget. If you do purchase a policy, remember that you have 30 days to get a full refund if you change your mind.

Ethos Life Insurance Reviews

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    1 featured review
    How do I know I can trust these reviews about Ethos?
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    Page 1 Reviews 0 - 5
    Verified purchase

    Reviewed May 26, 2026

    As a person that needs to watch out for her family, this was a very simple process for me. Nothing is more important than looking out for your family and their future. I know if anything happens to me, my loved ones will not have to worry about their future like I had to all my life, this will make things a little easier on them. I want them to have the freedom to enjoy life a little to take that family vacation to buy a house one day. To put some away for their family's future.

    Thanks for your vote!
    Ethos Life Insurance
    Response from Ethos Life Insurance

    Hello Paola, Thank you for sharing your feedback with us! We’re happy to hear that you’ve had a great experience, We are always here to help, We're happy to hear valuable benefits for you and your family.

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      Verified purchase
      CoverageStaff

      Reviewed May 14, 2026

      Sarai was absolutely amazing. She fully articulated my options in a clear, effective, and concise manner. Looking forward to more investments with her as I look to expand the scope of my policy, I trust that it will help me expand my business in the best way possible, so I can help re-ignite the passion and appreciation for the types of life insurance services that I feel are really undervalued, especially in today’s environment that’s more focused on short term fixes. The level of service I’ve received so far blows away any preconceived notions I had about the complexity of this business, and it’s inspired me to be a part of that change. Truly a wonderful feeling.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance

      Thank you for taking the time to share your feedback with us Brian. We’re glad to hear that you had a great experience working with Sarai. If there is anything you need help with in the future, please do not hesitate to reach out.

      Verified purchase
      CoverageStaff

      Reviewed May 13, 2026

      Ethos has been fantastic for my family. As a life insurance company, their focus on policyholder value shows. The agent took time to explain the difference between term and whole life, helping us secure a policy. "The financial strength of this company gives me peace of mind."

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance

      Thank you for taking the time to share your feedback with us Evelyn. We understand the importance of life insurance to make sure that your loved ones are protected, and we hope that the process of obtaining coverage was simply and convenience for you. Feel free to reach out if we can help with anything else in the meantime

      Verified purchase
      CoverageTechPriceStaffRates

      Reviewed April 24, 2026

      I'm a licensed insurance agent, and I contracted with Ethos, and it was the easiest way for me to secure some additional coverage since I was underinsured. I had about a million and a half in coverage, but based on my income, mortgage, and other income needs for my wife, if I were to pass away, I felt I needed another million dollars.

      Getting the coverage was super easy. I wanted to do it for two reasons. One, ‘cause I was under-insured. Two, I wanted to understand the process, so when I refer clients to Ethos, I'll know what they can expect going through. I had an answer within five minutes. There was no medical. Had a couple of slight medical things in my MIB, and they just came back with clarifying questions and got approval. Probably could have gotten a cheaper rate somewhere else, but it was pretty much a middle ground between Preferred and Standard. I was happy with the price. Ethos is the easiest, biggest way to secure term insurance without going through the hassle of medical underwriting, intrusive interviews, and blood tests.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Kyle,
      Thank you for sharing your feedback!
      We’re happy to hear that you’ve had a great experience with Ethos so far.

      Your feedback made our day-we're always here to ensure hassle-free experience.

      Verified purchase
      CoveragePricePunctuality & SpeedRates

      Reviewed April 18, 2026

      I just intended to review some insurance companies online and asked what were the best for people over 50. Yours was #1 and I started the process. It was fast, easy, and prices pretty reasonable! I would definitely recommend Ethos to others! I was in the military for 30 years and never felt the need when I was younger to get another policy. That was a huge mistake but I am glad thankful I found you and I have a peace of mind that my family will be financial secure in the event of my death! Thank you!!!

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Shaun,
      Thank you for sharing your feedback!

      We’re happy to hear that you’ve had a great experience with Ethos so far. Its wonderful to know the process felt easy—thank you for your kind words.

      Verified purchase
      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed July 7, 2026

      The process was quick and easy. A little too easy. I called the 888 number. Spoke with a representative name David. He was very helpful. Answered all my questions. He made the transaction effortless. I really appreciate the time he spent educating me on my policy and how it works. Great Service, easy process, and I'm covered hassle-free.

      Thanks for your vote!
      CoverageTechRatesHonesty & Transparency

      Reviewed June 23, 2026

      I did not have a positive experience as I felt misled. After answering a series of health questions, Ethos shared a rate of life insurance. Then after going through additional underwriting, rates came back 10 times higher. I was open and honest from the beginning about my health, and did not appreciate being misled with fake rates. A family member who had a much better experience with Ethos referred me, but I did not have the same experience they did.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Caleb
      ,

      Thank you for taking the time to share your feedback. We’re sorry to hear that your experience did not meet your expectations.

      Coverage options and premiums are determined through the underwriting process, which takes a variety of individual factors into consideration. Because each applicant’s circumstances are unique, the final outcome may differ from an initial estimate.

      We appreciate you taking the time to share your experience and your feedback.

      Thank you,

      Ethos Support

      Verified purchase
      Staff

      Reviewed June 22, 2026

      I thank and appreciate this company 🙏. They're easy to work with, and very knowledgeable my needs. I would recommend this company to family and friends, They're very helpful, understanding and friendly people to work with.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Wayne J,
      Thank you for sharing your feedback!
      We’re happy to hear that you’ve had a great experience with Ethos so far.

      Your feedback made our day-we're always here to ensure hassle-free experience.

      Verified purchase
      Coverage

      Reviewed June 19, 2026

      I have had a wonderful experience with this journey. I feel very satisfied with the coverage I have and the process it took to get there. I would highly recommend to anyone wanting to protect their future and spouse in case of a tragic loss.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Melissa,
      Thank you for sharing your feedback!

      We’re happy to hear that you’ve had a great experience with Ethos so far. Its wonderful to know the process felt easy—thank you for your kind words.

      Verified purchase
      StaffRates

      Reviewed June 16, 2026

      I got interested in Ethos due to their rate. My experience with their rep was excellent. The signup process was easy and as expected.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Ciciely,
      Thank you for sharing your feedback!

      We’re happy to hear that you’ve had a great experience with Ethos so far. Its wonderful to know the process felt easy—thank you for your kind words.

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      Ethos Life Insurance Company Information

      Company Name:
      Ethos
      Year Founded:
      2016
      Address:
      5001 Plaza on the Lake Unit 305
      City:
      Austin
      State/Province:
      TX
      Postal Code:
      78746
      Website:
      www.ethos.com