Ethos Life Insurance: Comprehensive Plans, Quotes, and Review

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

When it comes to life insurance, there are many different options. As a result, it can be challenging to decide which policy is right for you and your family. In this guide, we will be reviewing Ethos life insurance. We will discuss the pros and cons of this policy so that you can make an informed decision about whether or not it is the right choice for you.

Note: We are an independent licensed insurance agency representing Ethos Life Insurance (among 25 other life insurance companies) and provide a non-biased review of the products.

Ethos Life Insurance Quotes

To get started, simply enter your zip code, and we’ll show you the best life insurance rates from top companies in your area. We’ll also provide information about each company, so you can choose the one that’s right for you.

When you’re ready to compare quotes, be sure to consider:

Once you’ve found the right policy, all you need to do is apply and pay your first premium. Then, you’ll be covered! It’s that simple.

About Ethos Life Insurance

Is Ethos Life legit? Overall, Ethos life insurance is a good choice for people looking for an affordable way to get life insurance coverage without a medical exam. However, there are some things to keep in mind before you decide to purchase an Ethos life insurance policy. Be sure to consider the pros and cons of Ethos life insurance before you make a final decision.

Ethos has partnered with established life insurance providers like Legal & General America, AAA life insurance company, Ameritas Life Insurance Corp., Principal, and TruStage. They have worked together to create a quick and easy application process that only takes minutes compared to the weeks it takes to apply for traditional life insurance. As a result, you get the dependability of major life insurance companies and the convenience of a modern technology company.

The application process is online and effortless to do. It usually takes weeks, but now it can be done in minutes. Most people don’t need a medical exam.

Ethos Life uses new technology and predictive modeling to provide fast decisions on most applications, with no medical exams. When that isn’t possible, we’ve reduced the time you wait for a decision from months to days.

If you’re not happy with your policy in the first 30 days for any reason, they’ll refund your payment in full. After that, you can cancel your policy anytime without any cancellation fees.

Ethos Life Insurance Reviews

Ethos Life Insurance Calculator

To use this Ethos life insurance calculator, enter your gender, date of birth, zip code, health status, and credit score, and we’ll show you the best life insurance rates from top companies in your area. We’ll also provide information about each company, so you can choose the one that’s right for you.

Ethos life insurance customer and claims satisfaction

Ethos Life insurance reviews are generally favorable, as is its review of its partners. Life Insurance ratings with consumer watchdogs like A.M. best are strong too. Ethos’ partners with AM Best have a strong ‘A’ (excellent) or an ‘A+’ rating with the A.M. best, showing their historically reliable payback. Ethos life insurance policies are manufactured by reputable insurance carriers, including Legal & General USA, TruStage, CMFG Life, and Ameritas Life Insurance Corp. All have experienced underwriters with stellar financial strength ratings.

Ethos life insurance coverage types

If you are considering buying insurance, you should consider some important considerations. First, life insurance is classified into two major categories: term life and permanent life insurance. The term policy is defined as an amount that lasts for some time and provides a simple, cheap solution for families that want protection that lasts a certain length. In contrast, the permanent life insurance lasts as long as the premium is paid. Permanent life is usually more costly than term life but offers broader benefits.

Ethos Life Insurance Review

Best for Guaranteed Coverage

Even though life insurance is essential for people with chronic illnesses, the process can sometimes become difficult to qualify for insurance. Ethos Insurance specializes in the sales and marketing of whole life insurance. You will be entitled to coverage if denied a comprehensive insurance policy. So Ethos was chosen as one of the best-guaranteed life insurances.

Ethos Life Insurance Pros

Ethos has plenty of pros to why you should buy their life insurance.

  • Ethos works with some of the world’s largest and most respected insurance companies.
  • You get the dependability of life insurance carriers that have been in business for over 100 years.
  • One of the biggest pros of Ethos life insurance is that it is an affordable option. Therefore, individuals on a budget seeking a cost-effective approach to acquiring life insurance may benefit from this policy.
  • Another advantage of these life policies is that it includes a death benefit. So if you die, your beneficiaries will get tax-free money from the insurance providing financial protection for loved ones.
  • In addition to buying life coverage online, no medical exam is required to apply for coverage in most scenarios, making the underwriting process simple and easy. However, medical history and prescription drug history will be checked.

Ethos Life Insurance Cons

There are also some cons to an Ethos life insurance policy.

  • One of the biggest cons is that it does not offer a cash value component. This means you cannot borrow against or cash out the policy in the future.
  • Another con of this policy is that it has a high renewal rate. This means that your premiums could increase significantly when you renew your policy.
  • Their life insurance rates are not always the cheapest.
  • Most insurance companies offer a wider variety of life policies. For example, Ethos does not offer traditional whole life insurance, universal life insurance, indexed universal life insurance, or variable universal life insurance.
  • They do not offer disability insurance.
  • Under certain circumstances, a medical exam may be required.
  • They do not offer term life insurance with a return of premium rider.
  • Ethos policies do not have an accelerated death benefit for critical illness on their whole life policy.

Ethos Term Life Insurance

You get to choose how long your Ethos term life insurance policy lasts and how much coverage you have. In addition, every term policy they offer includes level premiums, meaning your monthly payment will never increase during your term. (Product type, benefit amounts, and eligibility can vary by carrier.)

  • Term Lengths: Term life insurance policies range between ten and thirty years.
  • Coverage amounts: Term life coverage starts at $20,000 to $2 million.
  • Age Requirements: Applicants must be between ages 20 and 65.
  • Guarantees: Term life policies are guaranteed level premiums and are guaranteed to be renewable after the term.

Legal & General America

They offer both fully underwritten and simplified issue term policies. These policies are insured by LGA, a top-rated life insurance company with over 70 years of experience in the United States. Legal & General America has issued over 1 million policies and has $734 billion in coverage. In addition, the life insurance provider has achieved superior ratings according to several independent financial strength measures, including AA- (Very Strong) with Standard & Poor’s and A+ (Superior) with A.M. Best. LGA is the parent company of Banner Life Insurance.


Ethos has partnered with TruStage to offer term and whole life insurance that is quick and easy to get, with no medical exam required. TruStage is made available by CMFG Life Insurance Company, a trusted name that has served more than 20 million people for over 80 years. CMFG Life consistently receives excellent ratings from major credit rating agencies: A (Excellent) with A.M. Best, A+ with S&P, and A2 with Moody’s.


Ameritas Life Insurance Corp. offers simplified term life insurance without medical exams. Ameritas is a top-rated insurer that serves millions of customers nationwide. According to several independent financial strength measures, it has achieved ratings of A+ (Very Strong) with S&P and A (Excellent) with A.M. Best.

Ethos Life Insurance Reviews

Ethos Whole Life Insurance

Ethos sells guarantee issue whole life insurance policies that have guaranteed approval. This means that you are automatically approved for coverage and can start enjoying the benefits of this policy immediately.

At Ethos, they want to make it easier for you to get whole life insurance. So we offer guaranteed approval for people aged 66-85, regardless of their health history. You don’t need to take any medical exams – answer a few health questions to help us determine your rate. Your policy will start at $1,000 and never increase in price, covering you for life.

  • Guaranteed issue whole life coverage means financial protection for entire life with no health questions.
  • Death benefit coverage amounts range from $1,000 to $30,000.
  • Age requirements are for applicants between ages 66 and 85.
  • Ethos whole life insurance offers guaranteed level premiums which they’ll never increase while owning the policy.
  • Death benefits may be available immediately but could have a two to a three-year waiting period. An accidental death benefit is covered immediately.
  • There isn’t an accelerated death benefit rider for a terminal illness offered.

Compare Ethos With Other Life Insurance Companies

If you are looking for a life insurance policy that doesn’t require a medical exam, Ethos is a great option. The company offers term and whole life insurance policies underwritten by some of the biggest names in the life insurance industry. Apply for coverage today and see how much you could save on your premium. Thanks for reading our Ethos life insurance review.

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Frequently Asked Questions

What is the Ethos website address?

To apply, the website is If you are a customer, use the Ethos life insurance login page to access your account:

Is Ethos a legit company?

Ethos life insurance plans have excellent customer satisfaction and are rated an “Excellent” rating by Trustpilot. In addition, Ethos was voted A+ by the Better Business Bureau and has zero customer complaints. The company has also received the coveted Google rating of 4.5 out of 5.

What type of life insurance is Ethos?

Ethos policies are term life insurance policies and guaranteed issue whole life insurance (final expense insurance). While it only provides limited coverage amounts, Ethos might be a great option if you need same-day coverage and do not need a complicated application or medical exam.

How long has ethos life insurance been around?

In 2016, Ethos began delivering comprehensive policies to customers. As a result, the online application process is usually within 10 minutes, and most applicants have not had medical tests required before.

Who underwrites Ethos policies?

Legal & General America, AAA life insurance company, Ameritas Life Insurance Corp., Principal, and TruStage underwrite Ethos policies.

Are Ethos agents captive?

No, Ethos agents are not captive.

What is the minimum coverage amount for an Ethos policy?

The minimum coverage amount for an Ethos policy is $1,000.

What is the maximum coverage amount for an Ethos policy?

The maximum coverage amount for an Ethos policy is $2,000,000.

Is Ethos life insurance any good?

Yes, Ethos is a good life insurance company. They are an A+ rated company that offers no medical exam policies. So, if you’re looking for life insurance without going through a medical exam, Ethos could be a good option.

Am I a licensed Ethos life insurance agent?

Yes, I am a licensed Ethos life insurance agent.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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