4.7/5 stars
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With a modern and ethical approach to life insurance, Ethos offers reliable coverage that is tailored to fit your life. Ethos’s informative team of salaried agents are there to help you find an affordably priced and sensible policy so you can provide security to the ones you love without the added pressure to buy expensive and unnecessary coverage.

Ethos features an online application process that allows you to sign up in less than 10 minutes, without the inconvenience of pesky paperwork. Their custom-built data analytics technology makes sure customers spend their time doing what is important to them, not endlessly searching for life insurance coverage.

How it Works

Backed by some of the largest, most respected companies in the industry, Ethos offers a wide range of policies with term lengths ranging from 10 to 30 years and $25,000 to $10 million in coverage. If customers pass away within the policy term, the beneficiary will be paid the entire value of the policy.

How to Apply

Start by getting a free quote . Once you answer a few simple questions, you will be presented with several coverage options and prices. If you know what you’re looking for, you also have the option to select an exact coverage amount and term length. From there, you will be guided through a series of questions about your background and health to complete your online application. Your application will either be automatically approved and issued, or sent to the carrier for review with a final decision made within 7-10 days.

To be eligible for a policy through Ethos, customers must be a U.S. citizen or green card holder between 18 and 75 years of age. Additionally, applicants must have lived in the United States for at least 24 months and must be a residence of any state except New York.

What Customers Are Saying

Ethos is rated “A+” by the Better Business Bureau with 0 customer complaints and is rated 9/10 on Trustpilot based on customer reviews.

Ethos has an extremely streamlined application process that takes the stress out of the life insurance purchasing process. They offer outstanding customer service and fair prices that leave you feeling like you are getting the most for your money. Buying insurance can be stressful and confusing, but Ethos is with customers during every step of the process and is more than willing to educate the customer when need be.

The best part about using Ethos is they do not require a medical exam in most cases. One of the weaknesses of Ethos is that all of their policies expire at age 85 unless the policy is converted to permanent coverage. Note that final quotes for coverage may be higher or lower than the initial estimate. Note that final quotes for coverage may be higher or lower than the initial estimate.

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