Ethos Life
Ethos Life provides term and whole life insurance policies with an easy online application process, partnering with top-rated carriers and offering coverage without medical exams for most applicants.
Term Life Insurance Policies
Ethos offers term life insurance policies with terms ranging from 10 to 30 years. These policies feature level premiums that do not increase over the term of the policy. The application process is entirely online and can be completed in minutes without requiring medical exams for most applicants. Coverage amounts range from $20,000 to $2 million. U.S. citizens and permanent residents aged 20 to 85 are eligible to apply for these policies.
Whole Life Insurance Policies
Ethos provides guaranteed issue whole life insurance policies for individuals aged 66 to 85. These policies build cash value over time and come with level premiums that do not increase. Coverage is instant upon the first payment, and there is no requirement for a medical exam. These policies also include a graded death benefit feature. Ethos offers a 30-day money-back guarantee, giving policyholders a free-look period to ensure satisfaction.
Partnered Insurance Carriers
Ethos partners with top-rated insurance carriers to offer their life insurance products. These partners include Legal & General America, Ameritas Life Insurance Corp., and TruStage™. By working with these established carriers, Ethos ensures that policyholders receive reliable and trusted coverage backed by reputable companies.
Online Application Process
Ethos utilizes an entirely online application process that leverages predictive modeling and proprietary technology for instant decisions. This streamlined approach allows applicants to complete the process in minutes. Ethos’ technology ensures a seamless experience, minimizing the need for lengthy paperwork or medical exams for most applicants.
Customer Satisfaction and Ratings
Ethos has received high marks for customer satisfaction, earning an 'Excellent' rating from Trustpilot and an A+ rating from the Better Business Bureau (BBB). This indicates a strong track record of customer service and reliability. Ethos also offers a 30-day money-back guarantee on their life insurance policies, providing additional assurance and flexibility for policyholders.