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
Anyone looking for a simple application process
Anyone looking for immediate coverage
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.
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.
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 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.
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.
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.