Ethos Life Insurance

Ethos Life Insurance is a digital insurance agency that specializes in no-exam life insurance. What this simply means is that you can apply for life insurance online in just a few minutes with Ethos’ simple application without any form of medical examination. All you need to do is Just answer a few health questions.

Now that I have your attention, come with me as I do further review on the Ethos life insurance.

Ethos Life Insurance

Ethos is a digital insurance provider that focuses on life insurance with no exams. Ameritas Life Insurance Corp., Mutual of Omaha, TruStage Financial Group, Inc., Senior Life Insurance Company, and Legal & General America are among the companies that it represents. Customers can get a free quotation, apply for coverage, buy coverage, maintain their policy online, or contact a company representative for help with any stage of the process.

Ethos not only provides a fast online application procedure that doesn’t involve a medical exam but its plans are underwritten by reputable insurers with good financial strength ratings. Ethos also provides economic term coverage.

However, even though price estimates are offered without personally identifying information, the company requires substantial personal information for a quote. Ethos will not satisfy everyone’s needs because of its limited customization possibilities, very low coverage limits, and lack of standard permanent policies or term conversion options.

Regardless, Ethos provides term life insurance, whole life insurance, and final-expense insurance plans through its network of insurance providers, and the application is meant to match you with the best carrier for your particular needs. According to the company’s website, most applicants will be approved immediately and will not need to take a medical exam to qualify for coverage.

Ethos, a newcomer to the life insurance sector, distributes insurance plans from established carriers. Ethos’ simple online application process and the coverage of these renowned firms allow it to deliver a life insurance experience online in a matter of minutes.


  • Easy online application procedure
  • Most applicants will not have to take a medical exam.
  • Policies from enterprises with solid financial footing
  • Coverage for up to two million dollars without a medical exam
  • Term insurance at a reasonable cost


  • There is no universal or variable life insurance available.
  • There are no local agents; you must have to call the company to talk with a representative.
  • There aren’t many available riders.
  • No term conversion choices.
  • The maximum issue age for term coverage is 65, and quotations require specific personal information.

Ethos Life Insurance Review

In this review section, you will are going to be reading a lot of satisfying comments from clients of Ethos life insurance. We got the following comments from the most reliable review platforms

Reviews from Trustpilot

Janice, August, 2023

I searched many insurance companies and this was rated in the top ten. Gabrielle, my rep was professional, knowledgeable, and kind going through everything with me to get my husband and myself covered. Very simple and easy. Thank you!

Brian, September 19, 2023

Needed a term life insurance policy without the hassle of interviews, medical exams, etc. I shopped around for reasonable rates. I wanted same day coverage. Ethos made these things easy for me. I like the simplicity of their member portal and the included tools for estate planning. Documents are automatically filled in for review and available for downloading and record keeping once completed. It’s too easy. Thanks!

Erik Anslinger, September 5, 2023

The entire process was easy to understand and follow. I felt there was just enough questions to get a good understanding of me and what I was looking for in a new policy.

Ryan Fritz, August 23, 2023

I was able to find DOUBLE the coverage I currently had for $5 less per month! It literally took minutes and no medical exam. The rep called me as I was wrapping things up and she was so nice and knowledgeable. I’m a licensed life insurance agent and she knew way more than myself.

Sanghyun Je, September 26, 2023

Great customer service, fast application and same day approval. Eric Montgomery, my advisor was very friendly and helpful.

R. Currey, September 7, 2023

Couldn’t be happier. The process was easier than my past term life policies. The coverage is better than I expected. I didn’t feel like I had left the doctors office after being probed. My Experience with Ethos was actually extremely positive.

Reviews on Google

Lefty T-2 Green

The Process was easy and simple. If you are looking for Life Insurance for your loved ones. An don’t have any coverage at work than this a great way to get the coverage you will need for your love ones.

Jesse Harvey

Ethos really helped me to be able to sort through and compare rates with other companies… but I think what really sold me was how clear it is that this company cares about the customer. The fact that they provide the ability to create a will and other documentation Is tragedy were to strike is truly impeccable. I am very impressed! It was also very easy to sign up! The only thing I am even the slightest bit concerned about is that they offered a gift card when I signed up, but I have yet to receive that or any confirmation of it!

Laura Gronowski

I’m happy with the policy but neither the website nor the app work properly. I have contacted customer support many times for assistance and I still can’t access my policy documents. It does not give me any option except to start a new application or make a will. SO FRUSTRATING.

Read COMPREHENSIVE COVERAGE: What It Is & What It Covers

Sherri Davis

Like you, I shopped and shopped around online to find good life insurance that was not going to kill my bank account but would also provide me with excellent coverage. Another MAJOR concern that I wanted to avoid was rates that would go up year-after-year. The search online became exhausting. There was always a catch (you really have to read the fine print) before you select any insurance company. When I landed at Ethos, could not believe it. The terms of the policy stayed intact, and I was able to get full coverage at a low rate even though I am over 50. I could not believe it.

Thrilled so much that I got my husband to establish a policy that same day. I have also started spreading the news to my friends. They also put the policy intact the minute you pay. No waiting period. When I tell you I slept good that night; I am not lying. We were able to get major policies that will protect our family in very real and meaningful terms. Thank you, Ethos. I am your #1 fan!

What is the Cost of Ethos Life Insurance?

Ethos, as a life insurance agent rather than a life insurance business, can provide insight into the rates of its partner carriers but cannot reveal their unique underwriting rules that determine prices. Ethos provides the following sample rates for a 10-year term life insurance policy with a $1,000,000 cap for healthy persons who do not smoke.

Is Ethos Life Insurance Restriction-Free?

Ethos does not post particular policy restrictions, such as health issues or smoking status on its life insurance plans. Any U.S. citizen between the ages of 20 and 85 living in any state other than New York is eligible to apply for insurance through Ethos. However, Ethos’ partner carriers may apply their own restrictions, which may result in an applicant being denied coverage owing to their own underwriting rules.

Who Is a Good Candidate for Ethos Life Insurance?

Ethos, a digital insurance agency rather than a traditional brick-and-mortar insurance firm or brokerage, may appeal to people who want to acquire and manage a life insurance policy online rather than work with a local agent.

Again, it is a good option for clients who want either whole, term or final-expense policy but do not want to take a medical exam. Customers who desire a universal or variable life insurance policy, as well as a bigger coverage maximum than Ethos can provide, may wish to search elsewhere.

How Long Has Ethos Life Insurance in Business?

Peter Colis and Lingke Wang established Ethos in 2016. According to the company, Wang had a bad experience with a life insurance policy in college, then teamed forces with Colis, and Ethos was founded. As of 2023, the corporation has approximately $400 million in invested capital.

Does Ethos Offer Additional Insurance Options?

Ethos does not sell any products other than term and whole life insurance policies, although it does provide estate-planning advice as a bonus to policyholders.

Is Ethos Life a Reputable company?

The Better Business Bureau (BBB) has awarded Ethos an A+ rating and accreditation. The BBB reports that it has received only 10 complaints against the Ethos life insurance company in the last three years.

Is Ethos Providing Life Insurance?

Because Ethos is a third-party administrator, its policies are issued by other companies. It provides up to $2 million in coverage, but it is only for a specified number of years. It does not accumulate cash value and will not pay out if you outlast the term and do not renew your coverage before it ends.

What is the Cost of Ethos Life Insurance?

The cost of an Ethos term life policy varies according to your gender, the amount of insurance you want to carry, and the duration for which you want coverage. A 15-year policy can cost as little as $19 per month for a girl seeking $250,000 in coverage. It rises to $71 per month for a man seeking $1 million in coverage.

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