Ethos

• No medical exams for policies under $2 Million. Just answer a few health questions online.
• A policy of up to $2 million in coverage starts around $32/month
• Get a quote in seconds with no obligation. Apply in minutes (most instantly approved)
• No need to talk to an agent unless you want to
• Rated "Excellent" by customers on Trustpilot
• Limited-time offer for new policyholders- access to estate planning tools at no extra cost ($449 value)

Founded in 2016, Ethos offers term and guaranteed whole life insurance policies. The company provides a streamlined online application and purchase experience that makes finding a policy fast and easy. Ethos life insurance policies are underwritten by such established companies as Legal & General America, Ameritas Life Insurance Corp., and TruStage. Ethos is headquartered in San Francisco, California.

Policies

Ethos offers term policies for those aged 20 to 65, and whole life policies for those aged 65 to 85. For policies up to $1 million, you don't even need a medical exam.

Although some insurance companies offer more varied policy options, Ethos solely provides term and guaranteed whole life insurance policies. Nevertheless, Ethos still offers customers a range of coverage choices. Term life policies from Ethos span 10, 15, 20, or 30 years and offer death benefits ranging from $50,000 to $2 million. Ethos also provides whole life policies for a restricted age group (65 to 85) with policy benefit options of $10K, $15K, $20K, and $25K.

Ethos' policies can assist in covering significant life expenses such as home mortgages, debt, and children's college tuition while also replacing lost income. Additionally, policyholders can use their payout to cover everyday expenses or anything else their beneficiaries may require. Ultimately, the decision on how to use the payout rests with the beneficiaries.

Reputation and Customer Service

Ethos has built a strong reputation, with accolades such as an A+ rating from the Better Business Bureau, a "excellent" 4.8/5 rating on TrustPilot, and a 4.7-star rating on Google. Consumers frequently comment on how simple and speedy the policy purchasing process is with Ethos.

Ethos also provides a 30-day money-back guarantee and allows for fee-free cancelation. Although policyholders can manage their policies entirely online, the company partners with non-commissioned agents who provide impartial assistance as needed.

Financial Strength

Not only is Ethos a robust company valued at $2 billion, but its policies are also underwritten by financially stable companies with high ratings. For instance, Legal & General America underwrites Ethos' term life policies and holds an A+ rating from A.M. Best. Ethos instills confidence in its customers by exclusively partnering with underwriters rated A or higher.