Advertising Disclosure

Ethos Review

Find a customized quote easily

Reviews 2535

Joseph Roltz

2022-05-23

Ethos Summary

Ethos Life is an insurance firm that sells modern and ethical life insurance to safeguard lives. They're developing cutting-edge life insurance software (a $650 billion market) that will make protecting your family more affordable, accessible, and instantaneous. It also takes a personal touch when providing its services.

Founded: 2016

Employees: 450+

Location: San Francisco, California


Pros

  • Offers Term and Guaranteed Whole Life Coverage

  • Accelerated Death Benefits in Some Cases

  • No Medical Exams (just answer a few questions online)

  • Financial Rating of Ethos issuers – A*

Cons

  • Not Available In New York

Editorial Review

4.8

Editorial score
  • Term Life and Guaranteed Whole Life

    Multiple policy types to fit your needs

    5.0

  • 100% Online

    Streamlined application process online with no need to talk to an agent

    5.0

  • Instant Issue

    Get same day coverage on most policies

    5.0

  • Non-Smoker Discounts

    Discounts for not smoking

    5.0

  • Money Back Guarantee

    30 day money back guarantee with no cancellation fees

    5.0

With Ethos, get anywhere from $20,000 to $2 million in term life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.

Ethos offers $20,000 to $2 million in term life insurance. If you buy a guaranteed issue whole life policy, the maximum coverage amount is usually $30,000.

Seniors (66-85) can take advantage of whole life coverage from $1,000 to $30,000 in guaranteed coverage regardless of medical history.

As a consumer you can obtain coverage from Ethos if you live anywhere in the United States except for New York.

Ethos allows consumers to obtain quotes and apply for coverage in as little as 10 minutes. Some applicants may be able to qualify for coverage straight away by answering some health questions without having a medical examination with an accelerated underwriting procedure.

Both term life insurance and guaranteed issue whole life insurance are available through Ethos. While it does not provide quite as much coverage as other providers, Ethos could be an excellent alternative for people who want to obtain life insurance fast without having to go through the hassle of a complicated application procedure.

*Legal & General America (LGA), a large U.S. life insurance company since 1836, issues and guarantees Ethos policies. Ethos uses technology to learn about you so that they can discover novel and genuinely personal ways to insure you.

TrustPilot Reviews

JackRoss

2025-04-19

Quick and easy…burden off my shoulders!

Quick and easy…burden off my shoulders!

Giribabu Thammisetty

2025-04-19

Easy and simple process

Easy and simple process

Sabrina La Rocca

2025-04-18

Easy to understand and I received…

Easy to understand and I received immediate help and attention room to details needing to be addressed. Very easy to apply and matches me with the tools I needed to secure my future

Theresa

2025-04-18

Peace of mind with Scott Merritt…

Setting up a plan with Scott Merritt was wonderful. He gave me peace of mind and the process was simple. All my questions were answered professionally and promptly. I would highly recommend working with Scott!

Matessa Mariano

2025-04-17

Quick easy process

Quick easy process

Rob Selfors

2025-04-16

Super easy and fast 😘👍👍

Super easy and fast 😘👍👍

Christian Moore

2025-04-16

Easy to use Ethos!

I found the Ethos process to be very straightforward & easy to navigate! Highly recommend the platform and the process, which took less than 10 minutes to complete!

Jill Fitzgerald

2025-04-15

Very easy to obtain a policy.

Very easy to obtain a policy.

JASON BRIONES

2025-04-15

The application process was smooth

The application process was smooth, and the agents I spoke to were knowledgeable and patient, answering all of my questions without pressure. The policy options were clearly explained, and I appreciated the transparency.

Dave Senn

2025-04-15

Easy and quick

Exactly what I needed

Seferino Abeyta

2025-04-14

Needed to update beneficiary since I…

Needed to update beneficiary since I got married it was a breeze. Done and back to work.

Maria

2025-04-14

Easy to apply

Quick response to approval and easy to apply

Mark F

2025-04-14

The overall experience was much faster

The overall experience was much faster. I tried other insurance companies and they were just so slow and so frustrating the back-and-forth today I guess I’m glad I found them. The process is a lot simpler.

Zachary

2025-04-12

Easy process great prices

Easy process great prices

Terrie Bienfang

2025-04-12

Excellent customer service

Excellent customer service Agent called on a Sunday evening and spent as much time as necessary to make sure our insurance needs were met.

Jacqueline H.

2025-04-12

Absolutely painless

Absolutely painless, easy to comprehend, and satisfied! Smooth sailing!

Lindsey

2025-04-11

Simple and stress free!

The process was simple and stress free!

Mark Lomas

2025-04-10

Hassle free

Hassle free

Adrian Gongora

2025-04-08

Easy process overall from the quote to…

Easy process overall from the quote to the application.

Jose Sandoval

2025-04-08

I was shopping for life insurance and…

I was shopping for life insurance and Ethos made it so easy. Had life insurance within 10 minutes. They gave me a call after applying online and answered all my questions and concerns. Definitely recommend Ethos to friends and Family.

George Demgard

2025-04-08

Very thorough

Very polite and explained to understand..also suggested the best coverage

Francisco

2025-04-07

Good service

Good service

Natasha Hicks

2025-04-06

Quick and easy

Quick and easy! The estate planning also a plus!

Marifi Agabao

2025-04-05

It’s fast

It’s fast, simple application. Got approved after minutes of completing my application. Great support staff.

naaumakua

2025-04-04

That life is short and anything can happen its always best to be prepared not for you but for those that depend on you.

I was approved so far pending of course whatever they need to check in my medical records. It wasn't fast as they claimed but still the process was flawless and relatively smooth and easy to navigate. Their Living trust is amazing and I am forever grateful to Ethos for helping me Secure the future of my ohana/family,

Timothy Gannon

2025-04-04

Ease of use

Easy to get quote and immediate coverage

Sharadawn Reith

2025-04-03

Ease, convenience & a friendly broker

Easy interface for application process combined with friendly broker who answered my questions — great experience for me in finally taking care of this. Thank you!

Elmo

2025-04-03

Quick easy and painless!

Quick easy and painless!

Romena Hall

2025-04-02

Representative was very helpful…

Representative was very helpful listening to my needs, explaining the differences and helping to choose the right coverage.

ANNA SCYPHERS

2025-04-02

Efficient.

Assessment was conducted efficiently. Jeff has a great way of communicating to clients and helped ease my worries to what can often be a stressful topic in everyday life.

A. Gonzalez

2025-04-01

My representative was so helpful and…

My representative was so helpful and educated about the process. He made the process super smooth and efficient.

Casey Savatski

2025-03-31

Easy to navigate and go through the…

Easy to navigate and go through the process.

jk

2025-03-31

customer service rep was extremely…

customer service rep was extremely helpful with this process !

Shadi Jouda

2025-03-31

The best best best 100 100

The best best best 100 100

Brandon Craig

2025-03-30

Your family is why you wake up every morning

Ethos, is the most trusted life insurance out there. After speaking with one of there agents I can tell they truly care about your family and their future. They make the process seamless and offer wonderful products to ensure your family is protected. I can honestly sleep well at night knowing my family will be taken care of when something unexpected happens. This is no doubt the best investment you’ll ever make.

Susan

2025-03-29

Easy website process

The website was easy to follow and you are given the opportunity to edit the amount of your coverage at the end, if you want to, after viewing the cost of the policy.

Steve Gursky

2025-03-29

Easy and quick.

Easy and quick.

Jeniffer Merrill

2025-03-27

Quick and easy

Quick and easy ! Customer service was fast and helpful.

Michael Gregory

2025-03-27

Extremely easy process and immediate…

Extremely easy process and immediate coverage. Matt was a good follow up conversation.

Chris Remmer

2025-03-26

Fast and easy!

Fast and easy!

Keilah Nash

2025-03-26

Great help!

Great help!

Linda Corn

2025-03-26

Knowledgeable, Easy, Efficient

Our agent was very knowledgeable on the products we were interested in. We were amazed at how easy and understandable the process was.

Lisa C

2025-03-26

Easy online quote

Easy online quote, about 5-10 min time to do application.

Marius

2025-03-25

It was pretty easy and quick

It was pretty easy and quick. They're very helpful.

Kenyatta Mayaka

2025-03-24

Life Insurance

Great customer service quick and easy process.

C Thompson

2025-03-24

Ethos is ethical

I am grateful that I came across Ethos Insurance. I fall into a rather restrictive niche that other insurance companies in their oh so eloquent tone told me to take a long walk off a short pier. Not Ethos! They were very accommodating to me and offered me the absolute best rate I could find with decent coverage. I thank them and recommend you check them out. Take care one and all, and I wish you well on your quest for life insurance.

Scott S

2025-03-23

Great Customer Service & Quick!

Fantastic experience.

Shaun Mars

2025-03-23

User friendly

Simple, user friendly

RON Bittner

2025-03-23

I worked with an Agent that wasn’t…

I worked with an Agent that wasn’t pushy at all, gave me facts and truths about the way life insurance works. After about 45 days of looking around and checking with a few other carriers he was the only one that held true to what he told me up front. My Agent did not work for Ethose he works for me, but Ethos was who he referred me to and because of his up front honest nature I went with Ethose.

Helena

2025-03-22

Easy and affordable

Easy and affordable

Charleelaine Kealoha

2025-03-22

Excellent way to take care of your family

Excellent way to take care of your family in the future and when you need it

alice peralta

2025-03-22

Love that I was able to get life…

Love that I was able to get life insurance at a reasonable price for my kids and I

Rutherford Dorelus

2025-03-22

Yeah

Yeah, what would be good very easy.

Trollis Lewis

2025-03-21

Answer all questions honestly

Very easy to understand

Eric S.

2025-03-20

The process was QUICK Plans are resonable!!

The process was QUICK, easy, hassle free, and secured policy within minutes of applying online. I just wanted a policy "just in case" for my family. Ethos offered numerous options to suit anyone's needs. Now my family is covered ifnsomething happens to me.

Edward Romero

2025-03-20

High premiums compared to other…

High premiums compared to other companies

Darla Morgan

2025-03-20

Great experience

I am not good with computers but they made it very easy to fill out on my phone !

Patrick Garcia

2025-03-20

Very easy process

Very easy process

Damien

2025-03-19

Seamless process

Seamless process. Elijah Anderson was very knowledgeable and helpful in helping me find the coverage I was looking for.

Bradley Polson

2025-03-19

Very easy to sign up

Very easy to sign up

Azucena Robinson

2025-03-19

The coverage to my family

The coverage to my family. I feel safe knowing that my kids are protected.

Naghma Shaukat

2025-03-19

Johnnie is great

Johnnie is great friendly convincing jolly .

Ange feza

2025-03-19

Easy and fast

Easy and fast

Joshua Hernandez

2025-03-19

Easy to use and set up

This was an extremely easy to use experience totally recommend if you don’t want to deal with all the hassle of phone calls !

customer

2025-03-18

Very professional agent

Very professional agent, clearly explained questions I had.

Manas Kumar

2025-03-18

Great

Great. Keep going bro

NANAYAW AMPONSEM

2025-03-18

Great

Great The customer service was amazing

Phil Payne

2025-03-17

Quick and easy!!

Quick and easy!!

Jonathan W

2025-03-17

Easy

Quick, easy, affordable.

Bobby

2025-03-16

Easy and quick

Easy and quick

Dominica Bradford

2025-03-15

Seamless process and very professional.

My agent Luis Napoles made the whole process of obtaining my policy seamless. Like most, I didn’t know where to start and he walked me through all my options. He is personable, relatable and extremely professional.

Sandeep Alexander Goni

2025-03-14

Fantastic experience with Ethos

Fantastic experience with Ethos. The best thing that has happened to me in the area of life insurance as I have had very bad experiences with know names like AIG and other big brands. Ethos team has simplified getting a life insurance coverage so much that it’s almost bliss like feeling when you are high after a recreational **** :)

Abibe zulali

2025-03-14

Very easy to sign up and accommodating !

Very easy to sign up and accommodating !

Clint Sobratti

2025-03-14

It was fast and easy to get set up

It was fast and easy to get set up. Great job!!

Kyle Garcia

2025-03-13

Allen Scott is the man!

Allen Scott is the man!

Charise Champion

2025-03-12

Easy

Easy, great portal to navigate your insurance

Bradley Duncan

2025-03-12

Anjie Najar found me a lot for a good…

Anjie Najar found me a lot for a good price. I couldn't be happier!

Carl T. Johnson

2025-03-12

This was easy and great

This was easy and great. I feel I have my family covered.

Carla D Ward Carla

2025-03-12

A caring and patient environment

A caring and patient environment

Maria Gallegos

2025-03-11

Great service!

Great service!

Emily Pham

2025-03-11

Just got insured yesterday

Just got insured yesterday. Very easy process and Matt called immediatel. Very informative and helpful.

Brenda R

2025-03-11

Talked with JJ n got my policy together.

Talked with JJ n got my policy together.

Chantale Belus Audate

2025-03-10

Wonderful

Wonderful! Easy to apply online no need to provide medical records.

Elisia Bybee

2025-03-10

Very easy experience!

Very easy experience!

Susan N

2025-03-10

Very easy experience to get started!!

Very easy experience to get started!!! I appreciate how quick and easy it was to sign up for life insurance

LTinSanDiego

2025-03-10

Jeffrey Paxton is a great rep

Jeffrey Paxton is a great rep

Dolores Garcia

2025-03-10

easy process

easy process

Andrzej Lomoc

2025-03-09

Great web page.

They made my experience very easy and pleasant. The web page is well-designed and people friendly.

John Laverdiere

2025-03-07

Ethos Life

Ease of completing questions and speed of processing

ANITRA WOODLIEF

2025-03-07

Easy Process

Easy Process…Answered A Few Health And Life Questions, Selected Coverage Amount. VERY GRATEFUL For This Straightforward Process, It Made My Purchase Decision So Much Easier.

Petra Scott

2025-03-06

User friendly

User friendly Met needs

Lisa Barben

2025-03-06

Ethos Life Insurance Review – Fast, Easy, and Hassle-Free!

I recently used Ethos Life Insurance, and I have to say, the experience was incredibly smooth and hassle-free. From start to finish, the process was quick, straightforward, and completely online, which made it super convenient. The application took just minutes to complete, with easy-to-understand questions and no overwhelming paperwork. I appreciated how transparent everything was—no hidden fees or confusing terms. Best of all, I didn’t have to go through a lengthy medical exam, which saved a lot of time. Ethos made getting life insurance stress-free and accessible. If you're looking for a fast, reliable, and simple way to secure coverage for yourself and your family, I highly recommend giving them a try!

Bryan McGowan

2025-03-06

Everything made easy

Everything made easy

Cullen Bryant

2025-03-06

Important

very friendly helping and knowledgeable

Christopher Hill

2025-03-06

It was simple easy and Eric was…

It was simple easy and Eric was wonderful!

Sarah Bergenfield

2025-03-06

It was so easy!

It was so easy!

Top Life Insurance

Ethos
Read review
Ladder
Read review
Haven Life - Closed
Read review
Bestow
Read review
Sproutt - Closed
Read review