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Ethos Review

Reviews 1,070
Ethos
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Ethos
Ethos
Excellent
Reviews 1,070
Sarah Badani
May. 22, 2023
2 min read
Sarah Badani
Ethos Summary
Ethos offers a simple way to buy life insurance directly without the hassle of going through salespeople or agents. They partner with top-rated carriers and use proprietary software to create a 100% online, ten-minute application to match you with the right policy. They provide whole and term life insurance policies, and more importantly, they don’t require any medical exams. Just answer a few health questions online to get started.

Pros

  • No medical exams or blood tests required
  • Same-day coverage on affordable policies from top-rated carriers
  • Ages 20-65 eligible

Cons

  • Not available in NY

Ethos at a glance

9.6
Editorial score

Coverage type

Offers both term and whole life insurance with no medical exams required. Payouts of over $2 million
10.0

Customization of policies

Customizable rates and deductibles, some upgrades and downgrades available
8.0

Customer services and support

Multiple communication options and a dedicated agent
10.0

Online experience

Online fast application, learning resources, access to rates before application
10.0

Direct insurer?

Yes, direct insurer
10.0

Ethos Ethos View Rates

Suitable For?

Ethos’ wide range of products make it great for anyone who may have been declined elsewhere, are older, want to supplement their employer’s life insurance, or don’t want to deal with the long application process of traditional life insurance companies. Additionally, Ethos life insurance policies are ideal for:

Anyone aged 20-65 who wants affordable coverage without medical exams, blood tests, or extra steps

  • Ethos’ online app includes a few medical questions so that they can underwrite you in real-time, allowing you to skip medical exams without being charged a lot more for coverage.

Anyone looking for a simple application process 

  • The 100% online app can be completed in minutes. 

Anyone looking for immediate coverage

  • Ethos provides instant or same-day coverage for most.

Features

Ethos does its best to make applying for life insurance flexible and pain-free. They have one of the widest ranges of term policies available with coverage up to $2 million, and their specialists are not commissioned so their goal isn’t to upsell you but to ensure that you’re getting the plan that fits your needs.

Ethos also has a helpful quote calculator that will help you see how much you could pay each month for a policy with a given amount and length of time. You can play around with the slide bar to see how your monthly payment changes based on changes made to your details. They make it easy to get an instant price estimate without having to provide any contact or personal information. From there you start the online application and fill out some basic questions to get a more accurate quote.

Application Process

One of the biggest advantages of purchasing life insurance with Ethos is that the policies are quick and easy to obtain. Instead of blood tests or medical exams, all you have to do is answer a few health questions on their online application, which only takes a few minutes to complete.

If you have any questions while filling out the application, you can chat with an Ethos specialist through phone, email, text or live chat.

Policy Types and Terms

Term Life Insurance

Term life insurance is the most basic type of life insurance. You choose a length of time during which you are covered under the policy. If you pass away during that time frame, your family will receive a cash payment that can be used to cover most of their needs including daily living expenses, mortgage debts, college debt, funeral costs, and more.

Ethos' term policies are pretty standard within the industry. They offer 10-30 year policies for those between the ages of 20-65 years. The death benefit ranges from $50,000 - $2 million, and since they work with several carriers they can offer coverage to a wider range of people than most life insurance companies. This is a big plus for people with lower credit or income that might be denied or struggle to get coverage elsewhere. Despite not requiring medical exams they are able to keep prices low—policies can work out to be as low as $10/month with no premium increases. 

Ethos Ethos View Rates

How Safe Is It?

Ethos is backed by some of the most reliable leaders in the life insurance industry, including Legal & General America, AAA Life, Ameritas Life Insurance Corp., and TruStage®. All rated A+ (Superior) for financial strength and have been around for decades.

Help & Support

Ethos is known for being a customer-friendly company, garnering a 4.5 out of 5 stars on Trustpilot and Google as well as an A+ rating on BBB. 

Their agents and customer experience team are dedicated to supporting customers throughout the process and can be reached by phone, email, text or live chat.

Summary

Ethos is not your typical life insurance policy provider; it's cut out the tedious steps usually involved in the process and put everything into a quick and easy online application form. Their website is comprehensive, clear, and easy to navigate, and their team of agents are there to help customers navigate any challenges and find the right policy for them.

By offering reliable, affordable coverage in a quick online application, Ethos has earned the title of being one of the top life insurance policy providers available today.

Ethos Ethos View rates

Sarah Badani
Written by
Sarah Badani
Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Ethos
Ethos
Excellent
Reviews 1,070
on
Excellent
86%
Great
6%
Average
2%
Poor
1%
Bad
5%
E
elliot ness
2 days ago
Fast, painless and no sales pressure.
Fast, painless and no sales pressure.
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tatiana
a day ago
Information immediately
Deleted my first review about 2 weeks ago out of a courtesy. But considering that you guys are so incompetent when it comes to fraud-I'm Requesting the CEO's information and contact immediately. I will not be jocked around with BS, by employees I have to tell to place someone else above them on the phone, 5 times, because this company wants to keep their 20bucks: from an account/policy made in my name, illegally. Horrible, horrendous, ridiculous. I was supposed to be sent a copy of the report- from this companies investigation team- never got that either. Do NOT call me, everything will have a paper trail at this point. And unless it's the information I requested, I'm going to advice you NOT email me other than that.
S
sanghyun je
3 days ago
Great customer service
Great customer service, fast application and same day approval. Eric Montgomery, my advisor was very friendly and helpful.
K
kh
3 days ago
So easy
So easy! Do everything online with seven minutes.
C
claudio toledo
3 days ago
Page easy to navigate
Page easy to navigate
H
hugo
3 days ago
Esta empresa es una estafa fuera de la costa, me engañaron muy inteligentemente.
Esta empresa é uma farsa fora da costa, fui enganado de forma muito inteligente. O cara com quem falei e com quem eu tratei tentou de tudo para aumentar minhas £250 para £5000, depois £10000, etc., mas encontrei tanta informação sobre essa empresa que é realmente uma, apenas procure por si mesmo antes de cometer um erro, felizmente, eu descobri antes de fazer algo realmente estúpido, o nome dos caras com quem eu tratei é Daniel Martin, um gerente sênior, ele tinha toda a sorte, mas um golpista total como o resto que finge ser legítimo. Evite a todo custo se você estiver com essas pessoas, tente recuperar seu dinheiro, você perceberá o que é um grande golpe e a penalidade que você terá que pagar se voltar a entrar em sua conta que desaparece por magia. Eles te advertiram. Existem até empresas que se oferecem especificamente para recuperar seu dinheiro, procure a recuperação de fundos desta empresa (swiftlex.cloud)
S
steph h
4 days ago
Great customer service and fair prices…
Great customer service and fair prices found.
B
brian
5 days ago
Quick and Easy!
I 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!
S
sc
6 days ago
My agent Nick was great
My Agent Nick was great. Your website sucks and is very subpar. Recently, enrolled in a policy and just now taking the time to try and browse the web portal and I can't get in. I keep getting an email that sends me in a loop to verify my account. What a waste of my time.
c
customer
9 days ago
No Nonsense approach to servicing …
No Nonsense approach to servicing their clients. Informative and easy applications process. Reasonable premiums.
J
jonas iglesias
9 days ago
Very easy to apply
Very easy to apply
S
stephen swalley
9 days ago
Customer service
Customer service
N
nael mashal
11 days ago
Very friendly
Very friendly, professional and they got my life insurance approved very quickly.
M
marc bowman
14 days ago
Great customer service
Great customer service! Dustin was very helpful and made the process very simple for us!
J
joseph lima
15 days ago
Four Characters
Ten characters
J
jason cortenbach
17 days ago
Would buy again!
Patrick's level of customer service was above and beyond what I would have expected. No pressure and answered all my questions with examples and personal experiences.
D
daniel majkowski
18 days ago
Very easy application
Very easy application
A
annmarie wildermuth
18 days ago
Wonderful customer service
Wonderful customer service, easy application process!
M
mary r
19 days ago
Super easy to use
Super easy to use. Was able to complete the application all on my phone, during a quick break!
E
ed harkins
21 days ago
Very efficient and straight forward…
Very efficient and straight forward application process
R
r currey
22 days ago
Couldn’t be happier
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.
B
brian meddock
22 days ago
Included Services?
It stated that Trust and Will services were included but when attempting to create a Trust they require $449 to proceed.
E
erik anslinger
24 days ago
Quick and easy.
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.
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troy jacobs
a month ago
easy all in one place
easy all online, convenient and the price was very affordable. now my wife is taken care of.
M
matthew randall
a month ago
Nice
Great and easy
T
tom wiatrak
a month ago
Erik
Erik, was Great to work with…! Never pushed anything listened to what I needed and delivered. Thank you
A
a-path
a month ago
Clunky First Week
The startup to a policy seems easy enough, but then it gets confusing. I log in and my policy shows as active (accurate). But this first week I am getting texts from Ethos (415-650-4595) saying, "this is just a reminder that your Ethos policy is not yet active..." I went online to customer support and chatted with an agent who took 17 minutes just to say... 'ignore the texts. They are routine.' That's really dumb. How about just don't send inaccurate texts.
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adriana tamiozzo
a month ago
Very satisfied
I am glad that I have this company to help me have protection and good care to my family. Very satisfied with the job that they offer to me.
L
leddy
a month ago
Great choice!
Great choice!
R
rabi mahamane laouali
a month ago
Family
Ease of navigation
N
nancy jansson
a month ago
Very professional
Very professional
T
thomas federici
a month ago
Michelle Brown made my experience GREAT
Michelle Brown made my experience GREAT!!! her knowledge, patience, and just caring about the customer impressed me the most and made it an easy decision to go with Ethos. If every customer talked to her, they would feel the same way i did. Thank you
K
kayndise lee
a month ago
Easy and convenient
Easy and convenient
J
janice
a month ago
I searched many insurance companies and…
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!
K
kaveh moghadam
a month ago
annoying process of continuously…
annoying process of continuously sending me emails to accept other policies, after i already chose a policy through you.
R
ryan fritz
a month ago
I was able to find DOUBLE the coverage…
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.
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justin lawhorn
a month ago
Great online purchases experience
Great online purchases experience
M
miguel lopez
a month ago
Very professional
Very professional
J
juvy moon
a month ago
Luis Vazquez was amazing and so patient…
Luis Vazquez was amazing and so patient with me. He’s just the best! I’ll recommend him to everyone I know.
T
travis chapman
a month ago
4starts
4starts. I was easy to get it, but within minutes I was contacted only in an attempt to upsell me the insurance I want.
A
aaron williams
a month ago
I have been able to contact Ethos Life…
I have been able to contact Ethos Life by email every time I try and that means a lot to me.
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breadbobs army
a month ago
easiest process ever
This was by far the easiest Process i've ever had when it came to making a life altering decision( see what i did there ;) But yeah, transition thru the process was painless.
R
rocco radogna
a month ago
A little bit expensive
A little bit expensive. But guess you pay for convenience.
L
louis brothers
a month ago
Highly recommended+++
Completed the easy application and quote was 50% less than another company quote. Ethos Life found me Lower premiums for higher coverage.
E
el g
a month ago
Swift but helpful
Swift, convenient, and addressed my present questions and future coverage...
J
jan
a month ago
Quick and easy online application for…
Quick and easy online application for life insurance. I received a response within minutes. I also received a follow up call from my account manager, David, who was able to answer all of my questions.
M
m
a month ago
Lots of options that are easy to…
Lots of options that are easy to understand and make adjustments to suit your needs
L
lacey spohn
a month ago
Fast and Affordable
This was an easy, fast experience and I had affordable coverage in no time. Thanks!
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homer simpson
a month ago
It'll cost you...
If you'd like to be massively over-charged for life insurance, because you didn't want to have an exam, and also have your contact info shared with dozens of companies, by all means proceed with Ethos Life.
W
wh
2 months ago
Efficient process
Efficient process. Quick and easy coverage.
B
brandon adams
2 months ago
Very easy
Very easy. Website was easy to navigate and rates were the lowest I could find.
D
dominquez price
2 months ago
Great
Stress free process.
M
maria l stone
2 months ago
make me than you worry for my future
make me than you worry for my future, you are very friendly and patience. God bless this company
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john smith
2 months ago
Laura was a professional and made…
Laura was a professional and made buying a new policy easy
C
coleen
2 months ago
Easy and quick with great support.
Easy and quick with great support.
M
megan jackopin
2 months ago
Super easy!
Super easy! Peace of mind for my kids and husband!
S
steven perkins
2 months ago
Great experience
Quick. Easy application. Well-reviewed. Process couldn't be more painless.
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trevor gregory
2 months ago
Very fast and easy to apply
Very fast and easy to apply! I'm grateful to receive instant coverage so I can make sure to protect my spouse. This process was very simple and I now have great peace of mind. The only thing I would like to have would be to get a higher coverage amount. Thank you!
J
jordan savara
2 months ago
Ease of use
Very streamlined, perfect pricing and helpful suggestions.
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cynthia jones
2 months ago
Easy access and application process
Easy access and application process - wonderful agents
V
venugopal
2 months ago
Excellent service
Great online service and easy to choose from the options
B
bummed in washington
2 months ago
One of the reasons I chose Ethos was…because I thought I would also get a free will and estate planning tool.
One of the reasons I chose Ethos was because of the free will/estate planning product. Talked with a rep and then after I had made the purchase learned it wasn't available for people from my state for whatever reason. It's in the fine print but I wish I would have known before I purchased as I would have made a different choice.
G
giovanni gallo
2 months ago
Great customer service.
Great customer service.
J
jesse
2 months ago
Very straightforward and I felt like I…
Very straightforward and I felt like I was being taken care of instead of belittled (which is how I felt with other companies). It’s nice to go to a service and feel as though I’m the customer and the company is going to do their best to help me.
M
milena
2 months ago
medical marijuana is awesome
medical marijuana is awesome
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george vasic
2 months ago
Convenient and easy to navigate
Convenient, easy to navigate, and apply for specific term life insurance coverage.
R
robert cadena
2 months ago
Life Insurance
Answered my questions, was not pushing a sale of products I did need or wanted.
J
joseph abell
2 months ago
Ease of use
Ease of use. Quick response. Live person to help with questions.
C
chris deskins
2 months ago
As Good as Advertised.
Fast, convenient, and easy! Helpful reps to answer questions.
M
michael mabee
2 months ago
Post issue experience
The application and underwriting process was great, went smoothly and was quick and easy. After the policy was issued the website had confusing glitches. I tried to add contingent beneficiaries multiple times, going through the entire process, only to hit “save” and it takes me back to the original page, asking me to add contingent beneficiaries. Also, when I attempted to review documents I received a message to confirm my email, which is fine, but the link in my inbox took me to a blank page that never loaded.
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robert good
2 months ago
Very fast process
Very fast process
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dawson sander
2 months ago
Quick and easy
Quick and easy. Great to work with. Very pleased with everything they have done for me!
E
emily
2 months ago
Smooth application
Smooth application. Nicely done!
L
luis prado
2 months ago
Smooth process
Smooth process, & affordable
L
lyndon grant
2 months ago
The Process was easy and simple
The Process was easy and simple. Great!!
T
theresa madera
2 months ago
Reliable source, great low fees, smooth transaction
Laura Lopez was very nice and knowledgeable made me feel comfortable. We had a few laughs even when purchasing something serious like life insurance. She guided me through the whole process. This company is a reliable source which made me feel satisfied at the end of our completion of my policy. Thank you Laura! What
M
maestra
2 months ago
The ease of answering questions
The ease of answering questions, determining coverage and instant decision on approval is game-changing. Love it!
D
david e.
2 months ago
Easy to do and efficient
Easy to do and efficient. I like that all is explained to the point of understanding.
A
abdul-rahim ali
2 months ago
customer friendly process
customer friendly process
M
molly
2 months ago
Great system
Great system, no pressure, informed agents with solid tech makes it easy.
A
anna
2 months ago
The process was easy and smooth.
The process was easy and smooth.
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michelle mcc
2 months ago
HORRIBLE EXPERIENCE
HORRIBLE EXPERIENCE! I out an application for term life insurance and paid $180 for the first month’s premium. The website and application stated I could easily cancel my policy within 30 days for a full refund by simply notifying them. I found a MUCH LESS EXPENSIVE policy and sent Ethos an email, from my verified personal email address, with my request to cancel. They sent me a Docusign format document to sign that I could not access from my phone, and I have no computer easily available to me, so I contacted them stating I couldn’t access the document. I got the runaround from their customer service until it was past the 30 days, so now they are refusing to refund my $180 premium that was paid, nor will their customer service representative allow me to speak to a supervisor. This is fraudulent business practice. Avoid this company at all costs, because if this is how they treat someone during the process, they will be horrible about paying out if you have a claim.
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palacios
2 months ago
Security in my life
My experience with Ethos has been excellent!! The level of service provided was amazing.
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eghosa obasohan
2 months ago
The app worked great and the process…
The app worked great and the process was easy and straight forward. I wasn’t able to adjust the coverage amount till an account executive called me and unlocked it. It might be helpful for people to adjust their coverage independently. The gentleman who called me was very knowledgeable and helpful in guiding me to make a good decision. The rates are the best out there. Ethos is doing an amazing job.
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sodia learn earn napper
2 months ago
Quick and easy application that was…
Quick and easy application that was user-friendly!
P
pranav modi
2 months ago
I cancelled the application by…
I cancelled the application by informing Damien-ethos representative before the scheduled start date. Still My policy is activated. That’s not good. Please cancel the policy and refund me the premium which is deducted from my bank account
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phil isner
2 months ago
So easy
So easy, competitive rates, great customer service so far. Five months in and I'm very happy
M
manjunatha ramachandra
3 months ago
Simple and easy to use.
Simple and easy to use.
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dan ramirez
3 months ago
Trust
Very straight forward,simple
C
c don tracy
3 months ago
Incredible Expeditied Sercure Bussiness
The amount of time needed to secure Binded Coverage over a secure connected Iphone is litteraly a mircle in this new New AI Age Company!
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larry zeller
3 months ago
Chelsea is fantastic
Chelsea is fantastic! She had to put extra work into my policy but kept me informed the whole time. She had a great attitude and was very helpful!
C
carl nunn
3 months ago
Saved by customer care
The customer service is outstanding and Mrs Laura Lopez (she gets a five star) was the reason you got my business. Your advertisement that states easy quote is untruthful and irritating.
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eric thurman
3 months ago
Horrible experience
Horrible experience, Im 47 in great health and was approved for top tier life insurance through Ethos, no medical exam required. However that's not the problem here is the problem. They are a broker and contract all their administrative staff out of the country (India or the Philippines). The language barrier in working with them was horrible. They couldn't figure out how to name my beneficiary as our family Trust on the policy. This went on for 2 months mean while they are billing me a policy premium, how can you bill for something you haven't completed? They sent me the same pre filled/pre populated form for singing 8 times each time rejected by the insurance company they put the policy through after I signed it. I even let them know the form they were sending was not completed correctly according to the English language yet all they would do is argue. I even let them know I refuse to sign the form until I was able to speak to someone on the phone the person who called could barely speak English. After 2 months of going back and forth the process itself was enough to wanna kill yourself. I had to just cancel the policy which they billed me 2 months of premiums for. I have since disputed both charges with my credit card company. Thank God I didn't die a long the way because the beneficiary was never right. The complete incompetence of this company is mind blowing. So much so I'm confident upon death or dismemberment Ethos would not even know how to facilitate a pay out to my requested/named beneficiary or whether the policy was ever in fact in force. If you're getting life insurance for those who survive you do not leave them to deal with Ethos life you will regret it.
T
terry belknap
3 months ago
Easy process
Super simple online application
H
hollywood hogan
3 months ago
Very simple to sign up
Very simple to sign up. I applied for multiple policies and yours was the best price.
B
brian turner
3 months ago
Nice friendly staff
Nice friendly staff, looking out for my best interests
D
dr. sherri davis
3 months ago
I loved my experience securing term…
I loved my experience securing term life insurance with Ethos. My husband and I got policies the same day. The most important reason we went this Ethos is that our premiums do not go up as we age (which was a huge concern). This gave me (personally) comfort and reassurance. It also assured me that we were dealing with a reputable company. The process is very easy to apply, and you get to select your terms. I would highly recommend Ethos. I searched and searched online, and this company, by far, was the best. Great prices...best terms I found.
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steven damato
3 months ago
Peace of mind
This was a easy fast way to get my family covered in case anything should happen..
S
silas
3 months ago
Simple set up
It was very easy to set up
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mae preston
3 months ago
User friendly.
User friendly.