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Ethos Review
Reviews 611
Ethos
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Ethos
Ethos
Excellent
Reviews 611
Sarah Badani
Oct. 17, 2021
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 20-85 eligible
Cons
  • Not available in NY

Ethos at a glance

4.8
Editorial score

Coverage type

Offers both term and whole life insurance with no medical exams required. Payouts of over $2 million
5.0

Customization of policies

Customizable rates and deductibles, some upgrades and downgrades available
4.0

Customer services and support

Multiple communication options and a dedicated agent
5.0

Online experience

Online fast application, learning resources, access to rates before application
5.0

Direct insurer?

Yes, direct insurer
5.0

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 20-85 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.

Anyone between the ages of 65-85 looking for help covering their final expenses

  • Ethos offers guaranteed acceptance whole life insurance with coverage up to $25,000.

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. 

Whole Life Insurance

Whole life is the most well-known and simplest form of permanent life insurance. While term life insurance lasts for a specified term, whole life insurance is designed to last for the rest of your life. 

Ethos offers a guaranteed issue whole life insurance policy, which offers guaranteed approval for all applicants aged 65-85. Coverage amounts range from $10K to $25K, making it a good option for those who want immediate coverage for final expenses. 

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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See what some costumers are saying about Ethos
Ethos
Excellent
Reviews 611
on
Excellent
83%
Great
8%
Average
3%
Poor
2%
Bad
4%
G
g zoellner
15 hours ago
Great experience
Great experience, easy and convenient to make application completely on-line.
C
chelsea odette
a day ago
So nice and easy
So nice and easy
L
larry elkins
a day ago
Clarity
Clear, simple
S
shirley walker
2 days ago
Couldn’t be easier…
The process of obtaining life insurance was really easy. It took about 5 minutes and I was insured instantly for 1.2 million.
C
chad henson
2 days ago
Dustin was a Great Help
Dustin was a Great Help! Thank You!
D
david ellis-mendoza
2 days ago
Fast, Affordable, and Easy
It was so quick! I got the coverage I needed at a price I could afford. And I get to work with my local agent. Love it!
H
hpr
2 days ago
Excellent online application experience
I loved being able to apply online. The health and lifestyle questions were clear, reasonable and respectful.
G
greg shim
2 days ago
So easy and inexpensive!
So easy and inexpensive!
C
camila lozano
3 days ago
Kind
Was easy and fast
B
bobby henson
3 days ago
Very smooth process!!!
Very smooth process!!!
A
antoine martin
3 days ago
Mrs. L. Young
Mrs. Lourdes Young was awesome with explaining and assisting.
S
sandra molano
6 days ago
So glad I found Ethos!
The online application was very user friendly and quick. I am in my mid 30s and was able to secure great coverage should something happen to me. My husband and 4 children are now protected. I feel like a huge weight was lifted off my shoulders. Thank you Ethos for the great experience!
c
customer
9 days ago
It was super fast and couldn’t be…
It was super fast and couldn’t be easier.
J
joel harner
9 days ago
Easy process from start to finish
Easy process from start to finish. Steve (advisor) was great and answered any questions I had. Price was very good and competitive. Highly recommended.
consumer-image
maddie mclaws castellano
9 days ago
Such an amazing tool
Such an amazing tool! The questionaire only took a minute and the quotes came back within minutes. The pricing was great and the website was so easy to use. We have been putting off getting life insurance becuase we thiught the process would be long/ expensive but Ethos was really easy and affordable
F
first time customer
12 days ago
The process was quick and easy
The process was quick and easy. No doctor visits or paperwork. There was literally no delay. I wouldn't have life insurance without a service like this.
K
k.l.
12 days ago
Excellent website & so easy to use!
Easiest website I’ve ever used! Ultra user-friendly interface with simple ability to compare premiums with length of policy and amount of insurance to fit one’s budget. Love the ‘slider’ tool to get this result! (No waiting for the web pages to load & all results are on the same page). Smooth as silk to get the information I needed to make a decision. Love the bonus complimentary estate planning aids.
E
eric brasch
13 days ago
The service was super quick and easy
The service was super quick and easy. Was able to get a $1million policy to protect my wife in like 7 minutes.
R
rudy
13 days ago
This was easy
This was the easiest experience I have ever had! Also, the cost was lower than several others.
T
teronda quick
14 days ago
Excellent Service
Damien was informative, helpful and efficient as always!
L
lee a.
a month ago
Made getting life Insurance easy!
Made getting life Insurance easy. Some thing I have been putting off for way too long because of the thought that I would have to jump through hoops.
K
kristine johns
a month ago
Very simple process
Very simple process! Great pricing, however my rep called and went over everything with me was eager to get me signed up and has yet to return any of my messages with questions. Hard to get additional information or to make changes to your email, which is all I was trying to do.
J
james cissel
a month ago
Great service
Great service
R
ranae
a month ago
So simple and a great deal
Very easy to apply and get coverage.
K
kim b.
a month ago
Quick and easy.
Quick and easy.
C
colleen
2 months ago
Fast and Easy
Got a great quote right away. No medical exam. Highly rated vendor. Was just what i was looking for.
J
jason wigginton
2 months ago
Wow❗ So Simple
It was quicker and easier than you can imagine. If everyone knew how simple they make it, everyone would have coverage.
w
william cappo
2 months ago
Quick & easy
Quick & easy. Customize what you need.
J
julian white
2 months ago
The team at BDR is extremely…
The team at BDR is extremely professional and spiritually made me feel comfortable. They directed me to you and I couldn't be happier. Thanks BDR and Ethos for a easy and wonderful experience.
J
jason blubaugh
2 months ago
Easiest process I've used for applying…
Easiest process I've used for applying for insurance, of any product! Incredibly easy to do, intuitive, and the process was painless.
L
loretta martin
2 months ago
Very fast and efficient process
Very fast and efficient process. The agent was readily available to answer my questions.
B
brian mendez
2 months ago
So easy and user friendly.
So easy and user friendly.
K
kelsie cain
2 months ago
Everything was easy and informative…
Everything was easy and informative really good experience. However I would have liked information on other services, whole life, term life etc..
F
fermain f.
2 months ago
very easy process
very easy process. Swift and simple.
D
david valenzuela
2 months ago
Easy process with flexible coverage…
Easy process with flexible coverage options.
A
anita cowdell
2 months ago
Rep. Sanchez
Rep. Sanchez is great, very professional, excellent, patient with our questions and very helpful.
G
gina bacon
2 months ago
Excellent insurance at a reasonable price!!
Great company. Excellent insurance... quick set up.. very reasonable price!!
J
jody howell
2 months ago
Brandon was very helpful in filling out…
Brandon was very helpful in filling out the application!
J
jay parker
2 months ago
Excellent service
They were very helpful and patient with me.
R
rachel
2 months ago
I would like to change primary…
I would like to change primary beneficiary and add a contingent beneficiary but I cannot do that online. My husbands carrier makes jr much easier to do.
B
brian peralta
2 months ago
Amazing agent!
Amazing agent!
D
daniel reyes
2 months ago
Affordable
Quick, easy and affordable
C
charlene dela merced
2 months ago
Excellent
Excellent! Michelle explained to me my coverage and a better deal
M
mary bukenya
2 months ago
It was easy to use
It was easy to use
J
joni james
2 months ago
Good experience
I really like that I was approved quickly and the process was simple. The customer service was A+ I would recommend this company to my friends and family
D
david beck
2 months ago
Easy experience and a fair quotr
Easy experience and a fair quotr
R
randy
2 months ago
The process was simple and quick!
The process was simple and quick!
I
ingrid pelaez
2 months ago
Coverage and monthly payment
Easy to work with.
N
nr
2 months ago
I got approved in less than 10 min
I get approved in less than 10 min. The customer portal is easy and understandable.
S
sabyasachi chakraborty
2 months ago
Easy to subscribe
Easy to subscribe, no medical exam, fantastic rates. Really great customer service on the phone.
T
todd stein
2 months ago
Outstanding
Gabe was very personal and helpful.
T
tanner russell
3 months ago
Fast, easy and affordable
Having been in the life insurance industry for many years, I couldn't believe how easy and fast this buying process was. I am in my 40's and purchased a $500,000 30 year term with no physical. The price was great, the process was easy, what's not to like.
C
customer
3 months ago
Highly Recommend
Mr. Joe Mascio took good care of me and suggested this option. He explained everything in detail and was patient with me. He provided a few suggestions that we looked at and found the right one for my budget.
D
david george
3 months ago
Crazy easy to get life insurance…
Crazy easy to get life insurance protecting my family! Will recommend to friends and family.
G
gene elliott
3 months ago
Very simple and got done what I needed…
Very simple and got done what I needed to do in under 15 min. Would definitely recommend to others!!!
D
derek gregory
3 months ago
It was a simple and easy process.
It was a simple and easy process.
D
daniel herring
3 months ago
Very personalized customer service...
Very personalized customer service with direct connection to real person that was very patient and helpful!
V
vserino
3 months ago
Super Easy to Apply
The process of applying was not intimidating or confusing. I was able to get approved within minutes.
J
jacklynn newman-cordell
3 months ago
So easy to navigate and complete
So easy to navigate and complete
R
ricardo rodrigues
3 months ago
Great
I like Ethos great
K
krista power
3 months ago
efficient and follow up to problem was…
efficient and follow up to problem was handled quickly
M
melissa boucher
3 months ago
Super fast and straightforward!
Super fast and straightforward!! Best price too!
N
nimish naik
3 months ago
Best term life
Best term life insurance company
N
nothando
3 months ago
Great experience
Great experience. So easy to navigate their website. Everything is clearly explained. Would recommend anyone to use.
B
barbara mcintyre
3 months ago
Andrew
Andrew made my application so easy
R
ruth petkaitis
3 months ago
Easy & Fast
The agent was very kind and patient. The process was incredibly easy and fast. I’m a big fan.
S
susan dewey
3 months ago
Simple
Simple, easy, quick coverage! I had gone back and forth with another company for weeks for less, more expensive coverage and then heard of you guys! I was qualified and covered within a few minutes! Thank you!
T
t.g. hayward
3 months ago
The website was quick and very user…
The website was quick and very user friendly. ETHOS made all the information handy. The medical questions were easy yet thorough. You can decide on the amount of coverage so that it fits within your budget too. I didn't need to speak with anyone either.
S
steven beck
3 months ago
Awesome Me
Exceptional experience. Processing was as advertised and seamless. Customer service was on par. An invaluable source and highly recommend.
R
robert legate
3 months ago
Quick turnaround and great pricing
Quick turnaround and great pricing. Very easy to use the website to fill out the application
J
james carroll
3 months ago
Easy to understand the process.
Easy to understand the process. Agent was very helpful. Good price for my policy coverage.
B
brad
3 months ago
Great with one flaw
Very easy process for signing up and rapid approval. The only reason a 4 out of 5 stars is you can’t view your policy on the Ethos app.
J
jana sisperova
3 months ago
Great experience with my agents
Great experience with my agents. Agent was very knowledgeable, professional and make the whole process very easy.
B
brandon brierly
3 months ago
Seems sneaky to use different phone numbers
As I was doing the online fill in the blank things, I received a call from Ethos saying they were going to connect me with an agent. That agent disappeared somehow and so they connected me with a different agent. While I was on the phone with that agent, the agent that had disappeared called me 5 times in a row from a 602 area code number (AZ) then texted me from a different number. This seems sneaky and nearing harassment.
N
nicholas woodward
3 months ago
Very helpful and friendly
Very helpful and friendly. Great customer service!
T
terry macke
3 months ago
Easy to get started
Great start so far!
U
ursula auger
3 months ago
Term Life Insurance
Website was easy to use. Buying insurance was almost enjoyable. Thanks for partnering with Credit Karma.
M
michelle
3 months ago
Easy to find coverage to fit my budget.
Easy to manage through. I loved the ease of determining coverage and cost per month and manipulate to see the difference in coverage and cost to make a decision based on our budget.
B
brock mosolf
3 months ago
Was quick and easy to get a good rate…
Was quick and easy to get a good rate for life insurance
M
micky
3 months ago
Invaluable; Time not Wasted
I’ve never had an experience so quick, easy, and streamlined. Inputting information was awesome! It was shocking, and the layout of details for what I committed a payment to was easy to understand and tell others. Keep that up. Educating the customers is invaluable.
R
ryan jackman
3 months ago
Extremely fast
Extremely fast, friendly rep who made it easy to find my quote. Competitive pricing. No medical exam. What's not to be happy about?
A
ashley hodges
3 months ago
Our agent Conner Jones went above and…
Our agent Conner Jones went above and beyond to talk us through applying. Wonderful agent. Very cheap affordable coverage.
C
cassidy handy
3 months ago
Super easy and affordable
Super easy and affordable
C
carlos roldan
3 months ago
Very easy process
Very easy process. Received additional help to adjust the coverage that I was looking for.
D
darren horrell
3 months ago
Highly Recommend!
Excellent Customer Service and a very thorough explanation of benefits and guidance!
J
jeremy
3 months ago
Super easy application and amazing…
Super easy application and amazing outcome.
A
abdulai kamara
3 months ago
I was skeptical at first when a friend…
I was skeptical at first when a friend of mine told me about Ethos and their process in getting a life insurance quote. But after I finally took the venture,I realized simple and straightforward the process is. Great to have our mortgage life insurance together with my wife from Ethos. L9oking forward to great services.
A
andrew hydak
3 months ago
Very easy process from start to finish.
Very easy process from start to finish.
L
lanae davis
4 months ago
Very easy to get the policy
Very easy to get the policy. My agent made the process understandable and comfortable.
M
marisela easterling
4 months ago
Very easy to apply
Very easy to apply, documents ready as soon as process completed.
A
andrea lofgren
4 months ago
Term Insurance
The agent was very helpful. She gave me information without pressuring me. Very informative and friendly.
R
rainy
4 months ago
Very quick and easy
Very quick and easy
N
new sarepta baptist church
4 months ago
Highly Recommend
Applying for coverage was easy, simple, and quick. I would greatly recommend.
K
kevin f
4 months ago
Excellent
Excellent. Quote was quick and easy to obtain.
G
g_s
4 months ago
whole process was super smooth and quick
The whole process was super smooth and quick. I remember couple of years back I was ready to take insurance , filled forms, missed the Calle from agent but never called back as got busy with work. Anyways ethos was super smooth and quick. Loved it
E
errick dorsey
4 months ago
Very easy process and helpful
Very easy process and helpful
J
james riggs
4 months ago
Very good customer service
Very good customer service. My only complaint is that the price changed within one week of me dealing with the online system not accepting my payment.
C
chad reid
4 months ago
Easy peasy…
Switched my life insurance in 15 minutes time and got almost triple the coverage as my existing policy for about the same price. Easy peasy!
L
lucan bohac
4 months ago
Grate rates with speedy process!
What an easy and speedy process to get recommended coverage amount. As well as coverage decision. I’m pleased with the rate and quick process to have my family protected.
A
angela thomas
4 months ago
Fast and efficient
Super easy to apply online and results were instant.