Ethos Life provides an expedited 100% online process for shopping life insurance with no medical exams or blood tests. Ethos offers same-day coverage options from top-rated carriers, all without the need to talk to an agent (unless you would like to).Visit Website
|Medical Exam Required?||No|
Ethos provides a fast, easy, underwriting experience that skips medical exams and blood tests for simple health questions on their entirely online application. Their mission has been to make life insurance more accessible and transparent, and their variety of policies and coverages available help accomplish that goal. Because of that, Ethos is an appealing life insurance option.
Ethos offers a few term life policies for anyone ages 20-65, and a guaranteed issue whole life product for anyone 65-85.
Ethos could be a good option to anyone who doesn't want to deal with the traditional months-long process of getting life insurance and wants a quick, easy, alternative with a wider range of products. Many of Ethos’ customers enjoy same-day coverage, meaning that within the day (and sometimes instantly) customers go from being applicants to approved and protected.
Additionally, Ethos’ agents are non-commissioned, so instead of upselling you on a policy their motivation is just to help you find what’s best for you.
Overall, Ethos provides a quick, easy, and accessible way to get life insurance without the long wait or breaking the bank.
Ethos was founded in 2016 in San Francisco, CA. It is rated “Excellent” on TrustPilot and has an A+ rating from the Better Business Bureau.
Ethos’ proprietary software makes the process of getting life insurance much more accessible and effectively reduces the time to get coverage from months to a matter of minutes.
Their online application leverages technology like AI and machine learning to underwrite consumers in real-time and eliminate extra steps like medical exams, blood work, and paperwork. All you have to do is fill out a few health questions online to find out what you qualify for.
The Ethos process:
Ethos is available in all 50 states except New York.
$1 Million in Term Life Insurance starts at just $18/month. Total costs depend on risk factors such as age, weight, medical history, credit history, criminal activity, driving history, prescription medicines, and past insurance claims or denials, plus other factors.
Ethos’ policies can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses — anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout. Learn more about how it works.
There are some exclusions that would prevent policy payout, including:
Ethos’ offers term policies ranging from 10-30 year term lengths and up to $1,500,000 in coverage (depending on eligibility). They also offer a Guaranteed Issue Whole life policy for U.S. citizens ages 65-85 for up to $25,000 in coverage, which has guaranteed approval, no medical exams or health questions asked.
Here are some pros and cons we found:
Ethos is a Better Business Bureau-accredited business with an A+ rating.
Most of the reviews of Ethos are positive and have an average rating of 4.8 stars.
“The entire process was super quick and easy. No medical exam, physical, blood work. None of that. Great customer service as well.” - Scott
“The application process was seamless. The turnaround time was great. And the monthly premium is more than reasonable. Also the follow-up from the direct live agent was a plus.” - Bobby
If customers have questions, they can call Ethos’ customer service team at (415) 322-2037.
When the insured person dies, it’s the responsibility of the beneficiary named on the policy to contact the insurance company to file a death claim. The insurance company will help the beneficiary with the claim process.
Email: [email protected]
Phone: Call (415) 322-2037 or text (415) 702-1844. The Ethos team is available to chat M-F 8am-6pm CST.
To activate a policy: Call (415) 855-4331 or email [email protected]
Payment issues: Email [email protected].
Ethos has simplified and expedited the process of getting insurance into an easy and affordable system. Unlike some competitors in the “insuretech” space, Ethos offers a variety of policies to customers. This makes getting life insurance from Ethos convenient and speedy.
What used to be a months-long process full of confusing applications, faxing paperwork, and spending hours trying to figure out legalese has been eliminated by Ethos’ application process.
With Ethos wide range of product offerings, there will probably be an affordable policy for everyone who applies. Those who want higher policies (over $1.5 million) may want to find another source, but otherwise Ethos has great upside with little risk.
*Quote for a 20-year-old female in excellent health for a Legal & General, America 10-year term policy for $1,000,000 is $18 a month.
No. The application is non-binding, 100% free, and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. This means that you are eligible for a full refund if you cancel your policy within 30 days of purchase.
Ethos offers policies that are backed by industry giants who have been around for centuries and are top-rated for financial strength and stability.
Yes. When you apply, you don’t need to talk to an agent if you don’t want to. But if you need help or have questions, there is an in-house team of licensed, expert agents who are happy to help you through any part of the process.
When your coverage term ends, you have the option to renew your policy until you reach the age of 95 without having to go through underwriting.