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Ethos Life Insurance Review

Reviews 1,782
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Reviews 1,782
Sarah Badani
Mar. 18, 2024
3 min read
Sarah Badani
Ethos Summary
Founded in 2016, Ethos Life offers term and whole life insurance policies in 49 U.S. states (excluding New York) and the District of Columbia. Ethos stands out thanks to the lack of medical exam requirements, an easy online quoting process, and guaranteed policies available for older individuals. If you need extra support throughout the application process, Ethos' team of dedicated licensed agents will answer your questions.


  • Online quote available within 10 minutes
  • Same-day coverage for qualified applicants
  • No medical exam is required for eligible customers


  • Not a direct insurance carrier
  • Offerings are limited to term and whole life

Ethos at a glance

Editorial score

Coverage type

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

Customization of policies

Customizable rates and deductibles, some upgrades and downgrades available

Customer services and support

Multiple communication options and a dedicated agent

Online experience

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

Direct insurer?

Yes, direct insurer

Ethos Ethos View Rates

Suitable For?

Ethos is best for people who want quick coverage with no medical exams. Eligible applicants can get same-day coverage when they submit a complete application and make their first premium payment. Term life insurance policies are available to U.S. citizens between ages 20 and 65.

Ethos also offers guaranteed whole life insurance for individuals between 66 and 85 years old — which is notable, given it can be challenging to get coverage at this stage of life. Ethos offers between $1,000 and $30,000 in whole life coverage with no medical exams. 


Ethos offers a fully online application process. Eligible term life applicants can get between $100,000 to $2 million in term life insurance coverage without taking a medical exam or a blood test. Term life policies range from 10, 15, 20, and up to 30 years.  

Applicants between 66 and 85 years old can get guaranteed whole life insurance coverage between $1,000 to $30,000, also without a medical exam or blood test.


  • Online application process

  • No medical exam or blood work required for qualified applicants

  • Approval often granted in 10 minutes

  • Responsive customer support

  • Tailored policies, including term life and whole life, catering to diverse needs and budgets

  • Free legal will included with the purchase of a policy

  • Guaranteed whole life insurance policies available to older applicants

Application Process

While the Ethos Life Insurance application process can be done entirely online, you also have access to licensed insurance agents if needed. Here's what to expect throughout the process.

  • Get a quote: Visit the Ethos website and enter some basic information, like your age, general health, and tobacco usage. You'll receive a personalized quote within minutes. This transparency allows you to make informed decisions about your coverage.

  • Complete the application: Once satisfied with the quote, you can complete the full application online. The user-friendly interface guides you through the process, and you can reach out to Ethos' customer support or a licensed life insurance agent if you have any questions.

  • Underwriting and approval: Ethos employs advanced underwriting algorithms to evaluate your application promptly. In many cases, approval is granted within 10 minutes. This efficiency is a breath of fresh air in an industry known for lengthy approval processes. Some applicants, however, will need to undergo the full underwriting process, including a medical exam.

Policy Types and Terms

Ethos specializes in term life insurance, providing coverage for a specified term, typically 10, 15, 20, or 30 years. Term life is an excellent option for individuals seeking affordable coverage with a straightforward structure.

For people seeking lifelong coverage with a cash value accumulation, Ethos offers whole life insurance. This policy type provides a guaranteed death benefit and a savings component, offering a comprehensive approach to financial planning.

One of the most attractive features of the Ethos application process is its no-medical exam policy for certain coverage amounts. This feature is a game-changer for those who may be averse to medical examinations or want coverage quickly.

Guaranteed whole life coverage typically doesn’t require any medical underwriting, while term life applicants may qualify for a simplified issue policy after answering a few health questions. If you have pre-existing conditions, you may need to go through a full underwriting process to qualify for term life insurance with Ethos. 

How Safe Is It? 

Ethos works with top-rated insurance carriers, so you can feel confident that any future claims will be paid out. The company partners with Legal & General America, TruStage Financial Group, Inc., Ameritas Life Insurance Corp., and Mutual of Omaha. It's also backed by investors like Sequoia Capital, Accel, and celebrities like Jay-Z.

Help and Support

Ethos offers an easy online application process and plenty of customized support. There are two ways to get help: with an in-house team of licensed agents or through the Ethos network of independent agents. This support can be helpful if you don't understand the details of your policy or if you want to add a specific rider to extend your life insurance coverage.

Bottom Line

Ethos is a strong option for simplified term life insurance or guaranteed whole life for older applicants. It has a seamless online application process and no-medical exam options. Whether you're just starting a family and want an extra layer of financial protection or want to add guaranteed coverage later in life, Ethos is worth considering for its transparency, flexibility, and commitment to empowering individuals to secure their future.

Physical Address

1606 Headway Circle


Austin, Texas 78754

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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