Ethos Life Insurance Review [2024]

Ethos life insurance offers term and whole life policies up to $2 million. Ethos term life insurance quotes average $36 monthly, while it costs $60 for Ethos whole life insurance. This Ethos life insurance review will explain the benefits of Ethos life insurance and examine Ethos life insurance ratings.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024Fact Checked

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Licensed Insurance Agent

Tim Bain

Founder & Life Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Founder & Life Insurance Agent

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024Fact Checked

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Ethos Life Insurance

Average monthly rate for healthy individuals:

$36

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Most applicants are eligible for up to $2 million in coverage without taking a medical exam.
  • Ethos life insurance policies are underwritten by companies with high financial stability ratings.
  • With the company’s streamlined online application, you can get Ethos life insurance quotes within minutes.

Cons

  • Ethos does not offer many life insurance riders.
  • You can’t buy a new no-medical exam Ethos term life insurance policy after age 65.
  • Ethos does not offer an option to convert term policies into permanent plans.

Final Verdict: Review of Ethos Life Insurance

No-medical exam Ethos term life insurance is a great option for people aged 20 to 65 looking to skip the medical exam most insurance companies require. Unlike many no-medical exam companies, Ethos offers up to $2 million in coverage.

Ethos life insurance is a great option for people with health concerns since it doesn’t require medical exams, but you should always compare your options.

Read our Ethos life insurance review to see if a no-medical exam term or final expense policy is right for you.

What You Should Know About Ethos

Although finding affordable Ethos online life insurance is relatively easy since the company offers low rates, it’s not the best fit for everyone. Compared to other cheap life insurance companies, Ethos lacks policy options for permanent plans.

Despite lacking the variety of some of its competitors, Ethos offers affordable rates for term life insurance. Explore our Ethos life insurance review to see if this company might be the best fit for your needs.

Then, compare quotes with as many companies as possible to ensure you get the best price.

Pros and Cons of Ethos Life Insurance

Every company has its strengths and weaknesses. The benefits of Ethos life insurance include the following:

Although Ethos offers affordable rates, you should be aware of the disadvantages that can come with an Ethos policy. These include:

  • There are few life insurance riders to choose from to customize your policy
  • You can’t convert an Ethos term life policy into a permanent plan at the end of the term
  • Ethos does not sell new term policies to adults older than 65

If you still want to find Ethos life insurance quotes, read on to learn more about the company.

Ethos Life Insurance Customer Service and Financial Ratings

Most major third-party companies don’t give Ethos life insurance ratings because it doesn’t write its own policies. However, you can get an idea of how well Ethos does by looking at the companies that handle their policies.

A.M. Best rates companies on their financial stability, which is important because it indicates if a company can pay claims. Legal and General America – the company that underwrites Ethos policies – has a superior rating of A+.

Ethos life insurance customer reviews also don’t include a National Association of Insurance Commissioners (NAIC) rating.

However, the company that manages Ethos policies has a very low rating, meaning it receives fewer complaints than similar providers.

Ethos Insurance Coverage Options

Ethos currently only offers two types of life insurance – term and final expense.

Term life insurance is a type of coverage you purchase for a set number of years. With Ethos, your term choices are 10, 15, 20, or 30 years, and you can buy a new policy between the ages of 20 and 65. Coverage limits range between $20,000 and $2 million.

When your term policy ends, Ethos offers the option to renew it for a higher price. Unlike many other companies, even the best Ethos term life insurance policy does not have the opportunity to convert to a permanent plan.

Ethos Term Life Insurance Policy Monthly Rates With Death Benefit of $1,000,000

AgeSmokerNon-Smoker
25 Years Old$123$58
35 Years Old$137$65
45 Years Old$332$135
55 Years Old$982$316
65 Years OId$2,540$790

The other type of policy available to purchase is the cheapest Ethos whole life insurance plan. Called final expense insurance, this is a permanent plan that doesn’t change rates for the life of the policy.

Final expense insurance is available for people ages 66 to 85, with coverage limits between $1,000 and $30,000. Final expense insurance is meant to help your loved ones handle your funeral and end-of-life expenses.

Ethos guarantees everyone can purchase this policy, regardless of health status.

While Ethos doesn’t offer a traditional permanent plan, you can check out the best whole life insurance companies to find a policy that fits your needs better.

Ethos Life Insurance Riders

Ethos only offers three lie insurance add-ons, which include the following:

  • Accidental death benefit: Eligible applicants can purchase this rider, which increases your death benefit if you die in an accident.
  • Terminal illness: If you are diagnosed with a terminal illness, you can access a portion of your death benefit to pay expenses. Ethos sometimes includes this in policies free of charge.
  • Perks: This rider offers a one-year membership for free to Legacy Assurance, which provides discounts on funeral expenses. The perks rider is only available for final expense plans.

While it’s not the longest list of riders, Ethos offers a few solid ways to customize your plan.

Read more: Death From Quicksand: What are the chances it happens to you?

How to File an Ethos Life Insurance Claim

To file a claim with Ethos, you can log into the policyholder’s account and start the claim online. If you don’t have the policyholder’s Ethos life insurance login, you can call their customer service line at (415)-915-0665 between 6 AM and 8 PM CST.

Ethos Life Insurance Online Offerings and Mobile App

Although you can call the Ethos life insurance phone number to start an application, Ethos’ easy online application is one of the company’s highlights.

You can also log in online to manage your policy, change your beneficiary, and make payments.

Ethos does not currently have a mobile app.

Read more:

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Ethos Insurance Rates Breakdown

While Ethos offers a solid selection of no-waiting-period life insurance, it might not always be the most affordable option. Several factors affect your term life insurance rates, but you can check Ethos’ average prices below.

Ethos Term Life Insurance Average Monthly Rates by Age and Policy Amount
PolicyAge 30Age 40Age 50
$250,000$19$30$67
$500,000$19$32$77
$1 million$32$56$146

Although these rates might be a little higher than some of its competitors, one of the reasons it’s still a good deal is that you can skip the medical exam.

That means people in less-than-perfect health can purchase a term policy with a high coverage limit.

Ethos Discounts Available

Ethos doesn’t list any discounts on its site, but that’s not uncommon. Even the best term life insurance companies typically offer few discounts for policies.

Instead, you’ll likely see lower rates based on factors like your overall health, family history, and location.

How Ethos Ranks Among Providers

Although Ethos offers no-medical exam insurance with high coverage limits, it’s not always the best option for everyone. That’s especially true if you’re trying to choose between term vs. permanent life insurance since Ethos does not offer a traditional permanent policy.

Check the rates below to see how Ethos compares to other companies with similar policies.

Ethos Life Insurance Rates Compared to Competitors
Company$500,000 Policy$1 Million Policy
Brighthouse$23$39
Ethos$28$50
Prudential$31$50
Ladder$31$54

Ethos generally has affordable rates, but you’ll likely see different prices when you get an Ethos life insurance quote.

Ethos requires a little more information than other companies to get a personalized quote, including your name, address, email, phone number, and the last four of your social security number.

Frequently Asked Questions

Can smokers get a life insurance policy with Ethos?

Yes, and Ethos is considered one of the best life insurance companies for people who smoke. Smokers can take advantage of no-medical exam Ethos term life or final burial expense insurance.

Can I cancel my Ethos life insurance policy?

Canceling an Ethos life insurance policy is an easy task. Simply call the Ethos life insurance phone number and request a cancellation.

How do I get in contact with Ethos about insurance coverage?

You have two options. First, you can call the Ethos life insurance phone number and speak with a representative. You can also email the Ethos team about policy questions or payment issues.

Does Ethos life insurance offer a no-medical exam policy?

One of the benefits of Ethos life insurance is that most policies do not require medical exams. If you’re eligible for term life, you can purchase up to $2 million in coverage without taking an exam.

What is the Ethos life insurance application process like?

To get Ethos life insurance quotes online, you only need a few pieces of personal information. Unlike many companies, Ethos has streamlined its application process to be entirely online. You only need to speak with a representative if you want to.

Can you get an Ethos life insurance policy after a cancer diagnosis?

Since Ethos offers no-medical exam insurance, cancer patients can buy life insurance with this company. Applicants under 65 might be eligible for the best Ethos term life insurance, while people ages 66 to 85 can purchase a final expense policy.

Is Ethos life insurance expensive?

Finding affordable Ethos online life insurance is relatively easy because rates are generally low for no-medical exam policies. However, you’ll probably find lower prices if you’re in good health and choose term life from a company that requires medical exams.

What factors impact my Ethos life insurance rates?

Ethos life insurance quotes look at many of the same factors as other companies, including your age, location, and gender. Since Ethos skips the medical exam, factors like your current health situation don’t impact your rates.

Your life insurance quotes are always free.

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Rachael Brennan

Licensed Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Licensed Insurance Agent

Tim Bain

Founder & Life Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Founder & Life Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

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