Ethos Life Insurance Review [2021]

Founded in 2016, Ethos life insurance is a new online service offering coverage from several companies. Ethos life insurance ratings suggest a strong financial backing by other leading industry providers. Ethos life insurance reviews have been excellent over their first four years in operation. Ethos offers term and whole life insurance policies in all 50 states.

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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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 6, 2021

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Quick Facts

  • Ethos life insurance is a third-party life insurance company that provides life insurance policies through Banner, AAA, and other strong life insurance companies
  • Ethos offers age-dependent term and whole life insurance policies
  • Ethos offers 100% online life insurance policies for added convenience


Ethos life insurance is available in all 50 states thanks to innovative concepts and great partners. Ethos is an emerging life insurance company that provides convenient term life insurance quotes.

In this Ethos life insurance review, we’ll cover the Ethos life insurance ratings, Ethos policy options, Ethos life insurance rates, and more about Ethos.

Ethos life insurance quotes will be from a variety of companies, but you can get that right here. We’ll provide you personalized rates from leading life insurance providers in just a few clicks with our free quote tool above.

What is Ethos life insurance?

Ethos is considered a new InsurTech start-up company as of 2016 that operates as Ethos Technologies Inc. and Ethos Life Insurance Services. They promote fast, affordable, and 100% online life insurance policies.

What’s Ethos all about? Well, they aim to satisfy the needs of prospective life insurance customers through a convenient online platform. Many people don’t want to go through the hassle of shopping for life insurance, so Ethos simplifies that process.

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How does Ethos life insurance work?

Ethos life insurance is essentially a third-party life insurance provider that supplies life insurance products in all 50 states plus the District of Columbia. How does Ethos work?

When you purchase life insurance through Ethos, you actually get a life insurance policy underwritten by one of their affiliates or partners. Ethos offers life insurance policies written by numerous life insurance companies.

  • Banner Life Insurance Company
  • AAA Life Insurance Company
  • CMFG Life Insurance Company
  • TruStage Insurance Company, LLC
  • Ameritas Life Insurance Corp.

The life insurance policy you are offered through Ethos will depend on which state you live in, amongst other things. For example, Banner Life Insurance Company products are not available in New York through Ethos.

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For many people, Ethos won’t require medical exams for their life insurance policies. No medical exam term life insurance is often desirable because of the added convenience. Sometimes this can mean more expensive policies, however.

What do Ethos life insurance reviews look like?

Sure, they’re convenient, but will Ethos be able to provide you with a good life insurance policy you can trust? With life insurance, there’s more to a good policy than an affordable price. Is Ethos reliable?

According to the Better Business Bureau, Ethos Technologies Inc. has an excellent rating when it comes to customer satisfaction. Ethos customer service has locked in a perfect 5.0 out of 5.0 rating thus far.

ConsumerAffairs has yet to acknowledge any Ethos consumer complaints. This is an excellent note for anyone looking for a reliable life insurance company. If I’m wondering what my experience using Ethos will be like, this is a critical factor.

Even so, how long has Ethos life insurance been around? Only four years, so you’ll want to keep an eye on the Ethos life insurance reviews to see if any changes occur as consumers have more experience with the company’s claims process.

Since Ethos is a third-party life insurance distributor, they won’t have direct ratings from industry evaluators like A.M. Best, S&P, or Moody’s. That’s why we’ve simplified the Ethos life insurance ratings below.

Ethos Life Insurance Ratings
Ethos Life Insurance Provider Ratings
CompanyA.M. Best RatingS&P RatingFitch Rating
BannerA+ (Superior)AA- (High Grade)AA- (High Grade)
AAAA (Excellent)N/AN/A
AmeritasA (Excellent)A+ (Upper Medium)A+ (Upper Medium)
CMFGA (Excellent)A+ (Upper Medium)A (Upper Medium)
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As you can see, the Ethos ratings are strong due to the financial stability of their partners.

How much does Ethos life insurance cost?

We all want to know how much we can expect to pay for any long-term expense. With life insurance, we always have a handful of factors that will affect our life insurance rates.

Ethos life insurance rates will depend on standard factors like age, gender, health, occupation, and more. Since Ethos doesn’t directly provide life insurance policies, it will also depend on which underwriting company approves your life insurance application.

We can’t guarantee any rates, but below we have compiled sample life insurance rates from Ethos partners compared to other leading life insurance providers.

Top Term Life Insurance Companies Rates Comparison
Comparison of Ethos Life Insurance Rates
Company$100,000, 20-Year (Male - 40)$250,000, 20-Year (Male - 40)
Minnesota Life$11.04$21.00
MassMutual$12.53$20.68
State Farm$21.40$33.72
AAA$12.50$20.68
Banner$10.84$19.31
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You’ll notice that both AAA Life Insurance Company and Banner Life Insurance Company have comparable rates to other top companies. When you buy Ethos life insurance, your rates could be lower if you secured a policy underwritten by one of those two companies.

Who has the best life insurance? How do I get the best Ethos life insurance rates? These are great questions that are tough to answer. The best companies are usually split into categories.

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Banner Life, for example, is listed as our best for low rates, term life insurance, and high-risk policyholders. The cheapest Ethos life insurance policy might be provided by a company like Banner.

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What type of life insurance policies does Ethos offer?

We talked about Ethos life insurance reviews, ratings, and rates. What types of life insurance can you get from Ethos? Ethos offers whole life insurance and term life insurance policies. What’s the difference between Ethos term life insurance vs whole life insurance?

Ethos Term Life Insurance

  • Policy Length: 10, 15, 20, or 30 years
  • Benefit Amounts: $100,000 to $1.5 million
  • Policy Ages: 20 to 65 years old

Ethos Whole Life Insurance

  • Policy Length: Entire life
  • Benefit Amounts: $10,000, $15,000, $20,000, and $25,000
  • Policy Ages: 65-85 years old

Ethos Features and Riders

  • Accidental death benefit
  • Cash value (whole life only)
  • AAA discounts
  • Guaranteed renewable
  • Level premiums

In short, you essentially have one life insurance option with Ethos depending on your age. If you are younger than 65 years old, you’ll be eligible for Ethos term life insurance. Older than 65? Ethos whole life insurance is your only option.

What are the pros and cons of Ethos life insurance?

When shopping for Ethos life insurance, you’ll want to know the good and the bad. Does Ethos have what you need?

Pros of Ethos Life Insurance

  • 100% online application
  • Strong financial ratings
  • Good customer satisfaction

Cons of Ethos Life Insurance

  • Few policy options
  • Short company history
  • Few policy riders

At the end of the day, you’ll need to decide what you want from your life insurance provider. If you simply want convenience, Ethos might be a good fit for you.

Ethos Life Insurance: The Bottom Line

Ethos is a new life insurance provider that thrives on convenience for prospective policyholders. They use technology coupled with strong partners to provide fast and affordable Ethos life insurance policies.

Your time is precious. Now that you know what Ethos life insurance is about, get on to the numbers. In just a few minutes, you can get personalized life insurance quotes from top providers using our free quote tool below.

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