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Ethos

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Ethos specializes in whole and 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 whole or term life insurance policy can find good options and support from Ethos.

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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 term 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 be in a position to pay claims.

Ethos offers guaranteed issue whole life insurance policies from AAA Life Insurance Company, which has also earned high financial strength ratings.

Offering policies from an established life insurance provider is common for insuretech companies in the life insurance industry.

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The Bad

  • Limited Permanent Life Insurance Coverage
  • Applicant Requirements
  • Not Available in New York
  • Minimal Customer Insight

Limited Permanent Life Insurance Coverage

Ethos only offers guaranteed issue whole life insurance policies. These policies offer up to $25,000 in coverage, which makes them similar to final expense policies.

The guaranteed issue feature means you won't be required to have a medical exam, which makes these policies faster and more convenient to buy.

If you're looking for a higher coverage level or a different type of permanent life insurance policy, you'll need to look elsewhere.

Applicant Requirements

To apply for a life insurance policy through Ethos, you must be a U.S. citizen age 20 to 85. If you do not meet these criteria, you'll need to find another insurance company.

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 consider other life insurance options.

Minimal Customer Insight

Best Company has not received many reviews for Ethos, so general conclusions about the customer experience are not available. Although, more customer insight is necessary, Ethos offers policies from reliable insurers and simplifies the application process.

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The Bottom Line

While more customer insight is necessary for a full recommendation, Ethos offers good options for those looking for a final expense or term policy.

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 coverage.

View Best Life Insurance Companies

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