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Ethos Life Insurance Reviews

4,943,942reviews on ConsumerAffairs are verified
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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

Ethos Life Insurance Reviews

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    1 featured review
    How do I know I can trust these reviews about Ethos?
    • 4,943,942 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.
    Page 2 Reviews 35 - 75
    Verified purchase
    CoveragePriceStaff

    Reviewed April 8, 2026

    Easy and awesome coverage. You need to set up. It was explained and it’s understandable to a person with no knowledge of Life Insurance. I am happy that I chose Ethos. Very affordable and in detail in every way to take care of my family and I am happy my family is happy and everyone’s happy. Such a smooth transition from no coverage to ample amount. Thank you so much.

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

    Reviewed April 8, 2026

    It's okay. I have no trouble at all during this. I do recommend this to anyone that needs this so I give this to anyone who is trying to do this. I recommend this for everyone that would like to do this.

    Thanks for your vote!
    Ethos Life Insurance
    Response from Ethos Life Insurance
    We’re so glad to hear that, Anthony, and we appreciate you sharing your feedback with us. Please reach out to us if you need help with anything else in the meantime.

    Thank you!

    Verified purchase
    CoveragePunctuality & SpeedStaff

    Reviewed April 7, 2026

    Easy process and I felt it was one of the best companies after researching other term life insurance policies. I feel safe and protected by this company. My family will not have the burden of taking care of my leftover debt during their time of need.

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

    Hello Junay, 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

    Reviewed April 3, 2026

    Very simple instructions to follow. The application took less than 10 minutes to complete. Nothing complicated, no need to go looking for paperwork.

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

    Reviewed April 2, 2026

    The application explained clearly and precise told me that this level term policy I will have until age 80 years old. Offering the clients wills and trust for free makes Ethos an excellent company. I will tell friends and family about ethos free offers on buying life insurance from this company.

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

    Thank you for taking the time to share your feedback with us Theress. 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.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffTransparency

    Reviewed April 2, 2026

    Great service; fast and easy. For ONCE. Thank you. Usually these kind of processes can take days if not weeks, and you get a response immediately versus tireless update needs and ultimately dropping it because it is too much trouble. Again - thank you.

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

    Reviewed April 2, 2026

    Ethos made the process of obtaining life insurance, way too easy!! I look forward to a long lasting partnership and future products. This company has designed features within its shareable parameters, to allow for simple understanding.

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

    Reviewed April 2, 2026

    The agent was well informed. Actually excellent in her knowledge of the products and respectful of my needs. I thank her. I felt like my policy is guaranteed. Carla **, my agent, was kind, knowledgeable, worked hard for me.

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

    Thank you for taking the time to share your feedback with us Kathleen. 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.

    Verified purchase
    CoveragePunctuality & SpeedRates

    Reviewed April 2, 2026

    Couldn't be more pleased with the process and rate I received. 10 minute application and 2 days later, I'm covered. Questions were direct and easy to answer. Highly recommend to anyone looking for life insurance. A+++!

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

    Reviewed March 31, 2026

    Luis was an awesome agent who helped me through the process. I felt trust with him. I usually don’t trust online stuff like this, but he was a great guy and I will definitely do more business and also recommend more People to this site and to Luis as well. Thank you, appreciate the coverage I needed.

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

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

    Verified purchase
    Customer Service

    Reviewed March 30, 2026

    Thus far, the process has been simple and smooth! I really appreciate the easy process of applying with no phone calls and hours wasted. Thank you for simplifying this very important step to protecting my love.

    Thanks for your vote!
    Ethos Life Insurance
    Response from Ethos Life Insurance
    Hello Craig,
    We're so glad to hear that! We always aim to make things simple and smooth for you. If there is anything that you need help with, please be sure to reach out to us.

    Thanks again!

    Verified purchase
    CoverageStaff

    Reviewed March 30, 2026

    Doing a Google search of Life Insurance companies, I continued coming across Ethos. The reviews seemed legit. Visited the site and the application process was extremely easy. Talking to a representative was easy as well, there was no pressuring, I could review on my own time and make a decision when ready. Having a scale to measure how much I would pay at the selected insurance amount is a great help as well. Life insurance is definitely a necessity at these times to help your loved ones and I'm happy to have found one.

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

    Reviewed March 25, 2026

    The service provided was exceptional, offering a straightforward and efficient online setup process with clear and concise instructions. I would recommend utilizing this online service for your term life insurance needs.

    Thanks for your vote!
    Ethos Life Insurance
    Response from Ethos Life Insurance
    Hello Sujani,
    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
    CoveragePunctuality & Speed

    Reviewed March 24, 2026

    Great experience, the whole process was very smooth and fast. I would recommend Ethos to anyone who is trying to get life insurance, it takes less than 5 minutes to give peace of mind to your family. I don't know why I didn't do it sooner.

    Thanks for your vote!
    Ethos Life Insurance
    Response from Ethos Life Insurance
    Hello Jose,
    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
    CoveragePunctuality & SpeedEase of Use

    Reviewed March 23, 2026

    The Ethos website was quick and easy to use to obtain life insurance. The health questions were easy to answer. I feel more at ease knowing that my loved ones are additionally protected in case of an accidental death.

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

    BillingHonesty & Transparency

    Reviewed March 23, 2026

    Disappointing as my spouse has a policy with Ethos and I see all these commercials that say how easy it is yet when I tried, was told I did not meet the criteria. I was honest with all answers using the most appropriate choice available and yet was unable to get a policy. I entered my doctor's names and their addresses as tried to never use the unknown choice as wanted to make sure I was open and honest with the questionnaire. I thought I may have had a higher monthly payment but I was not even able to get approval for a policy. Not as easy as they said on the commercials.

    Thanks for your vote!
    Verified purchase

    Reviewed March 20, 2026

    I’m new but I’ve heard some great stuff about Ethos, so I decided to join. So far it’s been great. I do recommend this step with Ethos, it’s a great future for all. I’ve had other offers but this one seems to be the best for myself, my family's future. If you're looking for something simple and easy to set your families, Ethos would be great.

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

    Thank you for taking the time to share your feedback with us Beatriz. 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
    CoveragePricePunctuality & SpeedRates

    Reviewed March 19, 2026

    So easy. I just got 400000 worth of life insurance for 97/per month! I have never had it so easy. Term life insurance is great for me. Ethos I saw the commercials on YouTube and I didn’t believe it but it is true, it’s fast easy and a very good price.

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

    Reviewed March 18, 2026

    It took me very little time to fill everything out, and after some basic medical history, I got an affordable rate. Knowing that they'll help with a will, as well, also has me much more at ease for my family's sake should something happen to me!

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

    Reviewed March 17, 2026

    The sign-up process only took a few minutes. I feel so much better knowing things will be taken care of when I am gone. I didn't want to think about it, but my best friend continually urged me. It was a cinch and user-friendly. I urge those who are thinking of coverage to do it now.

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

    Reviewed March 16, 2026

    Easy approval process at great rates. I feel confident that I am protecting my generational wealth for my family. I know that my children and my grandchildren will be protected from unnecessary government interference and taxation.

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

    Thank you for taking the time to share your feedback with us Ruby. 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
    CoverageRates

    Reviewed March 15, 2026

    Was easy to fill out. I have been needing life insurance for quite sometime. I just never took the time or took an interest in researching good, reputable company. This company seems to be reputable.

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

    CoverageHonesty & Transparency

    Reviewed March 14, 2026

    $200.00 per month. I dealt with anxiety and depression my entire life and never attempted suicide and don’t think about it. I mountain bike at least 7 miles per week and nail my physical exam every year. I was honest. They don’t insure people with depression.

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

    Hello Randall,

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

    Eligibility and pricing for life insurance can vary based on a range of factors considered during the application process, and outcomes may differ from person to person.

    If you have any general questions, please feel free to reach us at reviews@getethos.com.

    Thank you, 

    The Ethos Team

    Verified purchase
    CoveragePunctuality & Speed

    Reviewed March 14, 2026

    Signing up and registration was fast and easy. Given my age, I thought life insurance would be difficult to obtain. However, this was one of the easiest process. I'm grateful for Ethos for considering for this coverage.

    Thanks for your vote!
    Ethos Life Insurance
    Response from Ethos Life Insurance
    Hello Thomas,
    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
    Customer ServicePunctuality & SpeedStaff

    Reviewed March 14, 2026

    The agent was superb. Responding and corresponding emails were top-notch. The agent arrived and processed promptly. The agent knew what to do and was confident. The process wasn't difficult and was well-explained. The agent's experience helped make the best financial decision. I'll recommend agent Bukky to everyone.

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

    Thank you for taking the time to share your feedback with us Wally. 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.

    Verified purchase
    Punctuality & Speed

    Reviewed March 13, 2026

    I wanted a supplementary policy to add to existing policies. Applying was fast (less than 10 minutes) and easy. I didn't need to search for any information. I received an offer that was very satisfactory to me for my needs and budget.

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

    Reviewed March 13, 2026

    Marc was very helpful and the process was easy. I am thankful for his patience and kindness throughout this process, also I am happy with the results. I recommend Ethos Life Insurance to protect your family.

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

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

    Verified purchase
    Coverage

    Reviewed March 11, 2026

    The online experience was exceptional, characterized by its ease and self-explanatory nature. I'm going to inform all my family members about the ease of applying and how easy it was to get insurance.

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

    Thank you for taking the time to share your feedback with us Vickie. 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
    CoverageStaff

    Reviewed March 10, 2026

    I did not know how important life insurance was until my little brother passed away and had nothing in place for his children. Of course these situations are unplanned but they still happen. Bailey was very helpful. She had no issues explaining the plan and navigating my plan. She was very informative and I barely had to ask any questions because she covered all the bases.

    Thanks for your vote!
    Profile pic of the author.
    CoverageSales & Marketing

    Reviewed March 10, 2026

    As a former life insurance user I would strongly recommend that people use another avenue to save their money. My wife and I had a life insurance policy for 20 years at a premium of 48 dollar each. After twenty years, our premiums increased to 300 dollars each, per month. Basically we wasted 96 dollars a month that we could have used for a more viable reliable savings plan. Don’t be fooled America! Do your homework. Life insurance is a scam!

    Thanks for your vote!
    Verified purchase
    CoveragePunctuality & SpeedStaff

    Reviewed March 8, 2026

    Convenient, Easy and Fast to apply for coverage. Applied early afternoon and was approved by early evening. Easy application to fill out. Easy to understand clear directions. Fees are very reasonable.

    Thanks for your vote!
    Verified purchase
    CoverageTechPunctuality & SpeedRates

    Reviewed March 7, 2026

    Happy with how fast and efficient this process was. Loved that I was able to get a 20 year term contract with no increases during that time. Covered now until age 80 with an A+ rated company. Thank you Ethos!

    Thanks for your vote!
    Verified purchase
    CoveragePriceStaffRates

    Reviewed March 7, 2026

    I became increasingly concerned with my family's well-being if something were to happen. Shopping for a convenient life insurance policy seemed very daunting at first. With Ethos, I was in awe of how smooth the process was. I was able to get a quote in less than 30 minutes. The price was the most affordable across all companies I used. Ross, the representative who helped me, was the GOAT and helped me obtain the peace of mind I needed.

    Thanks for your vote!
    Verified purchase
    Customer ServiceCoverageEase of Use

    Reviewed March 6, 2026

    Extremely simple to use and I was able to complete my entire entry a details from my cellular phone. I didn't expect the estate planning but it's greatly appreciated. Please take the time to use this all for your insurance needs.

    Thanks for your vote!
    Verified purchase
    Coverage

    Reviewed March 6, 2026

    Burial insurance is what I want. I do not want my kids to worry about it. Whole life insurance is what I am getting. It's just the smart thing to do with what's going on in the world. This is as long as it's going to be.

    Thanks for your vote!
    Verified purchase
    CoverageStaff

    Reviewed March 5, 2026

    This has been the best and easiest life insurance application I’ve ever done. The process and directions were easy to understand and follow. The best part of the application process was not having to attach pictures or provide previous medical records or information.

    Thanks for your vote!
    Verified purchase
    Customer ServicePriceStaffRates

    Reviewed March 3, 2026

    Very easy to get through the process. The application was easy. The representatives were professional. And they continue to follow up with me to ensure that I finalize my application. I’m glad I found Ethos. The prices are very reasonable.

    Thanks for your vote!
    Verified purchase
    Coverage

    Reviewed March 3, 2026

    Very easy process online, but I had some additional questions about total term coverage. I contacted the company and they provided me with great recommendations that just made common sense, and with no real agenda. They even suggested that if I needed more coverage than I was approved for, signup for the plan now and use a more traditional approach to life insurance that involves a medical exam, blood work, etc. After that, cancel the Ethos plan.

    Thanks for your vote!
    Verified purchase
    Customer ServiceCoverageSales & MarketingOnline & App

    Reviewed March 3, 2026

    The quickest, easiest life insurance experience I have ever had. I saw the ad on tv logged in on my phone, and completed the application, and was approved for $1,750,000 in less than 10 minutes, not having to go through the traditional steps of check-up and bloodwork.

    Thanks for your vote!
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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