
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- 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
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Reviewed Feb. 7, 2026
I recently purchased life insurance through Ethos and had an outstanding experience from start to finish. My agent, Steve, was incredibly helpful and patient. He took the time to answer every question I had and made sure I fully understood my options. He also went out of his way to provide the information I requested, without any pressure or salesy tactics, which made the entire process feel honest and straightforward.
The Ethos application itself is remarkably streamlined and seamless. Everything is handled online in a way that feels modern and intuitive. It genuinely makes you wonder why other companies are still using such outdated and frustrating application processes. From first contact to final approval, the experience was efficient, user-friendly, and surprisingly stress-free. I would highly recommend Ethos, and especially Steve, to anyone looking for an easy and transparent way to get life insurance.
Thank you for taking the time to share your feedback with us Matthew. We’re glad to hear that you had a great experience working with Steve. If there is anything you need help with in the future, please do not hesitate to reach out.
Reviewed Aug. 12, 2026
Ethos Life Insurance gave me quotes online, fast and easy, and it's cheaper than anybody else I found. The agent who reached out to me followed up and took my credit card over the phone. She was very professional. She explained all the details and gave me her direct number to reach out if I have any questions. I'm very satisfied. I have peace of mind that if I die, my daughter is secure financially.
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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.
Thank you for taking the time to share your feedback with us Gary. We’re glad to hear that you had a great experience working with David. If there is anything you need help with in the future, please do not hesitate to reach out.
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.
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.
Reviewed June 11, 2026
Easy and uplifting, wonderful understanding and approved quickly. My heart has been relieved knowing that I have life insurance for my loves, so they don't have a problem with putting me away when it's time. I'm sure they are going to be happy to know this. Overall this was the easiest company to fill out for a quote and turned out great,
Thank you for taking the time to share your feedback with us Linda. We’re glad to hear that you had a great experience—that means a lot to us! We're happy we could make things convenient for you. If there is anything you need help with in the future, please do not hesitate to reach out.
Reviewed June 5, 2026
I can't remember our agent's name, but she was great. She was very informative, she was able to answer all our questions. It was good to talk with someone who was not pushing you to get something you couldn't afford, she listen to you. I would refer her to my friends and family. Because I will know they will be treated very well.
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.
Reviewed Aug. 25, 2026
I came across Ethos online and saw what I liked. They fit what I was looking for so I didn't search around for any competition. The sign up process which was also online was straightforward.

Reviewed July 23, 2026
I do not find Ethos legitimate. I find their advertising false and misleading. I applied for a policy in March of this year. I went through and abided by their processing and told I was approved. 60 days later and after paying three months of premiums for the policy, I was told by ExamOne that my policy was being audited. I was assured in writing the policy wasn’t undergoing post approval underwriting, and that this was simply a formality. My doctor records were requested, even though I approved their release at approval of the policy. Now, four months later, my policy is being re-underwritten. I have I been told multiple times the policy was approved and asked what was happening. I have had other life insurance policies and this is highly abnormal compared to other life insurance procedures I have experienced.
I believe that they issue an approval upfront with a full intent to underwrite the policy some 3 to 4 months later, after collecting 3 to 4 months of premiums, fully intending to deny or change the policy terms but then they keep the premiums. If this in fact, plays out, I intend to contact the state Attorney General’s office. At this point, I would not recommend this company. Beware.
Hello,
Thank you for sharing your feedback. We’re sorry to hear that your experience did not meet your expectations.
We understand your concerns regarding your application and policy experience. Our team has been in communication with you regarding your questions and appreciates the opportunity to assist. We value your feedback and will share it with the appropriate teams as we continue working to improve the customer experience.
Thank you,Ethos Support.
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.
,
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
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.
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.
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.
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.
Reviewed June 15, 2026
Was easy, straightforward to get signed up. Signing up didn’t take forever and questions were what you would expect like if you signed up for a life insurance of any insurance. Questions were easy to answer.
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!
Reviewed June 5, 2026
As a diabetic, I was given false information initially, in order to trick me into applying for coverage. The rates given were much lower than what I'd actually receive.
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.
Reviewed June 1, 2026
Ethos advertises a good insurance for not a whole lot of money. I signed up and the process was very easy. I had a very nice gentleman call me and spoke with me about the product and answered any questions that I have. He was very courteous, very kind, and very patient, and called me back when he told me he was gonna call me back. Along with the cost of the plan that I purchased, the biggest benefit has to be the customer support. The customer support was excellent through the whole process.
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!
Reviewed May 30, 2026
The coverage and the premiums with Ethos are better than the others. When I signed up, everything was very smooth and very good. I phoned through internet, but someone called a couple of times to me, but I decided to do the internet.
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!
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.
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.
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.
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.
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!
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.
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.
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.
Reviewed May 15, 2026
The enrollment process with Ethos was good. Their rate is better than the other insurance that I was paying for. I like the way they came to me. Everything their rep was telling me was true. I liked the way he came and sat down with me and explained everything that's going on with Ethos. He helped me with it, and he made a lot of sense to me.
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.
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.
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.
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."
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
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!
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!
Reviewed May 9, 2026
I saw advertising for Ethos and it looked very interesting. Signing up was easy. I talked to a representative, and they went down the line of how much coverage and how much the monthly payment is. It was simple and explanatory, and didn’t take long, which I liked. Tanner, the customer service rep, was nice. The coverage was fairly good and the price was reasonable.
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.
Reviewed May 9, 2026
Easy and fast results. Friendly and professional communication. Great customer service. Agents will update you on your inquires and call you right away. Overall I will recommend it to my friends and family…Thank you!
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!
Reviewed May 6, 2026
I don't know why I waited so long ... It was really letting my family down by not pulling the trigger sooner. But Ethos made it super easy. And it's cheaper than any other company that I can find. Gave me peace of mind knowing my family will be taken care of - No worries about the house or funeral expenses or that they'll not have to worry day to day. Thank you Ethos!
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.
Reviewed April 30, 2026
Quick approval it took less than an hour and the paperwork came in via e-mail in the same day. It was very impressive! Thank you so much. However, I do need help from my agent to complete my application because it didn't send the code to my phone after several attempts. The website quite delayed but after I submitted it approved so quick!
Thank you for taking the time to share your feedback with us Amy C. We’re glad to hear that you had a great experience working with the Agent. If there is anything you need help with in the future, please do not hesitate to reach out.
Reviewed April 29, 2026
It does not make sense to me that it… It does not make sense to me that it asks me about my social security number when I just want to get a quote. It already takes all my information and still does not provide me with the quote. This is another way to get customers data and harass customer with calls and emails.
Hello Malik,
Thank you for sharing your feedback. We’re sorry to hear about your experience and understand your concerns.
We’d like to better understand what happened and assist you further. Please reach out to us at reviews@getethos.com with additional details so our team can review your experience and help address your concerns.
Thank you,The Ethos Team.
Reviewed April 27, 2026
Very nice customer service. :) Would recommend Ethos to family, co-workers, and patients. The gentleman I spoke with took his time, answered all of my questions, and reassured me that I was doing the right thing for my family.
Hello Evelyn, 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.
Reviewed April 27, 2026
After looking at other companies and navigating through their online questionnaire, this was by far the easiest and best guided process for obtaining the goal of a life policy. The navigation through the application filing was simple and quick.
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!
Reviewed April 25, 2026
I saw an advertisement online for life insurance, and I was hooked up with an Ethos agent, and he helped me pick which life insurance was available to me. He was very good. The sign-up process was very easy.
Thank you for taking the time to share your feedback with us Tina. We’re glad to hear that you had a great experience—that means a lot to us! We're happy we could make things convenient for you. If there is anything you need help with in the future, please do not hesitate to reach out.
Reviewed April 24, 2026
Not happy with this company at all. Recently got a life insurance policy from them. It has been 3 weeks and still don't know my policy number. I ask them to email me my number and they refuse to do it. I have got all kinds of reasons why I have not got my policy from I did not have the money in my account to it takes 3 weeks from the day they take the money out of my account till they receive it. Now just do you know my money is in my account by the 3rd of every month. They are to take the money out on the 4th of every month which they did. First time I called was on hold for Hour and 56 minutes. Next 2 times I called in was on hold for almost an hour each time. You can't understand what they are saying don't speak good English. I would not be so upset but was sent an email that my policy would be in my hand in 3 to 5 days. Now it's going on 4 weeks and still don't have it or a policy number.
Hello Timothy,
Thank you for sharing your feedback. We’re sorry to hear about your experience and understand your concerns regarding the delay in receiving your policy details.We recognize how important it is to have timely access to your policy information and appreciate your patience. If you have not yet received your policy or are still experiencing any issues, please feel free to reach us at reviews@getethos.com so we can assist you further.
Thank you,The Ethos Team.
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.
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.
Reviewed April 23, 2026
I used to dread shopping for insurance. This is the easiest program ever. It made shopping simple. Ethos Technology took the guesswork out of the equation. Great price, easy app, great results. Thank you.
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.
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!!!
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.
Reviewed April 15, 2026
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping.
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!
Reviewed April 14, 2026
Ann provided amazing customer service from start to finish. She took the time to explain everything clearly, answered all of my questions, and made sure I felt comfortable with my decision. I really appreciated how patient and knowledgeable she was, nothing ever felt rushed or pressured, which made the whole process so much easier. She helped me find a policy that fit exactly what I was looking for and was actually affordable, which was really important to me. Overall, the experience was smooth and stress-free, and I’m really glad I got to work with her.
Thank you for taking the time to share your feedback with us Destiny. We’re glad to hear that you had a great experience working with Ann. If there is anything you need help with in the future, please do not hesitate to reach out.
Reviewed April 14, 2026
Awesome job done by Ethos in writing my policy. I was very happy with their service and expertise with the Sales Person that guided me through this process! Awesome job done by Ax and Go Red Sox and Tide Go!
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!
Reviewed April 14, 2026
Awesome 👍🏿😎 Very professional. Would recommend up to this point! Very prompt and professional,... Look forward to doing business with a accredited company! They made things simple and easy for me!
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.
Reviewed April 13, 2026
Online application process was efficient and user-friendly. In addition, I called to have a few questions answered and was lucky to speak with Steve ** who answered my questions fully and provided additional information to help me make an informed decision about my life insurance policy.
Thank you for taking the time to share your feedback with us Marcus. We’re glad to hear that you had a great experience working with Steve. If there is anything you need help with in the future, please do not hesitate to reach out.
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.
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.
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
