Ethos specializes in term life insurance. It offers reliable quotes on policies. Its staff is dedicated to finding the best premium rates for applicants, so it evaluates applications case by case.

Those seeking a term life insurance policy can find good options and support from Ethos.

Top Ranked Companies

company logo
#1 Bestow chevron_right
9.1 Overall Score
company logo
#2 Quotacy chevron_right
8.9 Overall Score
company logo
#3 Northwestern Mutual chevron_right
8.7 Overall Score

The Good

  • Reliable Quotes
  • Simple Quote and Application Process
  • Dependable Policies

Reliable Quotes

Ethos focuses on giving its clients accurate quotes. While quotes on Ethos may appear higher than quotes on other websites, the quotes listed on Ethos’s site are the rates most people would qualify for. Most Ethos policyholders receive a final rate that either matches the quote or is slightly lower.

From the beginning of the process, Ethos clients get reliable information about the cost and value of their life insurance policy.

Simple Quote and Application Process

To receive a quote, Ethos site users do not have to provide contact information. They only have to respond to five questions before being able to view coverage options and quotes.

The application process is also exclusively online, which makes it simple and quick to complete.

Dependable Policies

Ethos’s life insurance policies are from Legal & General America. Its life insurance company, Banner Life Insurance Company, has high financial strength ratings. These high ratings mean that policyholders can trust the company to pay claims.

The Bad

  • Term Life Insurance Only
  • Not Available in New York

Term Life Insurance Only

Ethos specializes in term life insurance, so individuals looking for a permanent life insurance policy need to consider other life insurers.

Not Available in New York

Ethos’s term policies are available nationwide except in New York. If you live in New York, you’ll have to find another life insurance company.

The Bottom Line

While Ethos is not available in New York and does not offer permanent life insurance policies, it is a great option for term life insurance.

Ethos has a quick quote process that does not require contact information. Its quotes are also good estimates of what the final premium rate will be. Most of its clients receive the same premium price as their quote or a slightly lower one.

Ethos’s life insurance policies are a great option because they are offered by an insurer that has high financial strength ratings. Ethos is a good choice for people looking for reliable quotes and good term life insurance policies.

View Best Life Insurance Companies

Why Can I Trust arrow_drop_down

User Reviews

Star Rating


0 Reviews

Review Breakdown

5 star
4 star
3 star
2 star
1 star

Sentiment Criteria

Value for your money
Quality of product or service
Customer service
Company trustworthiness
search cancel
Be the first to leave a review.