Ethos Insurance

Protecting the next million families

With a focus on making life insurance hassle-free, Ethos provides flexible term and guaranteed whole life insurance policies via a 100% online experience. Term policies are available for applicants aged 20 to 65. Whole life policies are offered to those aged 65 to 85 to pick up where term life policies end.

Ethos is a great choice for people who know what they're looking for and don't want to spend a great deal of time getting it. For policies up to $1 million, no medical exam is required. Just answer a few medical questions online to apply. Some applicants are approved for a policy instantly but Ethos promises a quick, simple experience for all.

Although Ethos is relatively new, they have excellent customer ratings and are backed by industry giants like Legal & General America, AAA Life, Ameritas Life Insurance Corp., and TruStage®. Ethos earns an A+ rating from the Better Business Bureau and 4.5/5 stars on Google and Trustpilot.
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Company Reputation

Ethos enjoys an excellent reputation. The company earns an A+ rating from the Better Business Bureau. Google and Trustpilot both award the company 4.5 out of 5 stars.

Many consumer reviewers remark how quick and easy the company makes purchasing a policy.

Ethos offers a 30-day money-back guarantee and no fee cancelation. While you can manage your entire policy online, the company works with non-commissioned agents who provide unbiased assistance when you need it.

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Policies and coverage

Ethos only offers term and guaranteed whole life insurance policies. Some companies may offer choices, but the company still gives customers many options for coverage. Term life policies offer coverage for 10, 15, 20, or 30 years with death benefits ranging from $50,000 to $2 million.

Whole life policies, which are available for a limited age group (65 to 85), provide policy benefit options of $10K, $15K, $20K, and $25K.

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 they receive.

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