
Ethos Life Insurance Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
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.
- Same-day coverage
- No pressure
- Free online quote
- 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.
| Plan | Term length | Benefit amount | Issue ages |
| Term life | 10, 15, 20 or 30 years | $100,000 to $3 million | 20 to 69 |
| Whole life | Lifetime | $10,000, $15,000, $20,000 or $25,000 | 66 to 85 |
| Term length | 10, 15, 20 or 30 years | Lifetime |
| Benefit amount | $20,000 to $1.5 million | $10,000, $15,000, $20,000 or $25,000 |
| Issue ages | 20 to 69 | 69 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
Filter by Rating
- (396)
- (36)
- (6)
- (4)
- (36)
Popular Mentions
- 4,891,632 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,891,632 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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
