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.

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
    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.

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      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
      CoveragePunctuality & SpeedStaff

      Reviewed April 9, 2026

      My experience with Ethos has been great. It was really easy setting it up, and I got it done relatively fast. I'm about to have my third child so I decided to get a life insurance. I had a policy before, but unfortunately, I went through some pretty gnarly life circumstances at the time. That policy lapsed because I totally had forgotten about it and forgotten to pay it. I wanted to get back on track and hopefully use a better company, and I’m happy with Ethos so far.

      I like the self-service ability of Ethos. I'm the kind of person where I like to just navigate things on my own. I really prefer anything that's self-accessible or anything that I can do online on my own. So, I liked that it was minimal interaction with representatives. I haven't had too much experience with other companies, but Ethos is better than the last one I used. I'm impressed with it. I hope that it works out.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Natalie,
      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
      CoverageTechSales & MarketingPunctuality & SpeedOnline & AppStaffEase of UseRates

      Reviewed March 13, 2026

      I'm an independent contractor, and I had life insurance when I worked for the corporation. Now that I'm independent, I don't have it through the corporation, so I went to get it on my own. After hearing Ethos' advertisements on the radio and Facebook, I started the process and it was easy. At first, the app was really easy to navigate and seemed fine. But my rate was a little bit high compared to what they were advertising. It seemed like it'd be a lot lower. Otherwise, the process was straightforward.

      When I looked at the paperwork, I didn't see where it says what term the term life insurance is for definitively. I do remember one screen that said that it would carry my coverage until my early 80s. But I don't know that it was very well stated in the documents they provided of what is the actual term. Overall, Ethos is a no hassle insurance provider and user-friendly application.

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello David,
      Thank you for sharing your feedback!
      We’re happy to hear that you’ve had a great experience with Ethos so far.
      If there is anything that you need help with, please be sure to reach out to us.

      Thanks again!

      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.

      Verified purchase
      Customer ServiceStaffTransparency

      Reviewed May 24, 2026

      Great customer service, friendly and professional, provided explicit detailed information and explanation of all plans and best suitable ones for my needs/wants. Very pleased to know my family is and will be taken care of.

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

      Hello Jay, 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.

      Verified purchase
      CoveragePunctuality & Speed

      Reviewed May 24, 2026

      This process was quick and easy! I did not think I could get coverage this fast. I had been putting this off for months thinking that I would be stuck doing paperwork and getting medical exams. But this was not the case! Thank you, Ethos!

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Elizabeth,
      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 May 19, 2026

      Super easy, great service and better coverage for less than half of my previous policy! Would definitely recommend to anyone shopping for a new life insurance source. I was able to get the desired, tailored coverage to fit the needs of my family.

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

      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.

      Verified purchase
      CoveragePunctuality & Speed

      Reviewed May 13, 2026

      Getting life insurance through Ethos was surprisingly simple. The application process was quick and straightforward, and I didn’t feel like I had to jump through a lot of hoops. Everything was explained clearly, and I appreciated how easy it was to complete online without a lot of back-and-forth. Overall, it made something that usually feels overwhelming pretty stress-free. Thanks Narisa for recommending!

      Thanks for your vote!
      Ethos Life Insurance
      Response from Ethos Life Insurance
      Hello Ashley,
      Thank you for sharing your feedback!
      We’re happy to hear that you’ve had a great experience with Ethos so far.
      If there is anything that you need help with, please be sure to reach out to us.

      Thanks again!

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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.ethoslife.com