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Ethos Review

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Reviews 2498

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

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!

Adam Terpstra

2025-03-05

My Ethos experience was top notch

My Ethos experience was top notch! Just as advertised. I was able to see the term life options I was looking for immediately and while I was considering the options an Ethos representative followed up over the phone and answered my additional questions. I bound coverage with a great insurance carrier within 24 hours, and it could have been even faster if I didn’t take a day to sleep on it.

Michelle Boyero

2025-03-05

Feeling more at ease with coverage

It was a fast and easy process to get the coverage I wanted/needed for my family.

Cynthia Scott

2025-03-05

Excellent

Mason did not give up!

ruelfloresca

2025-03-04

term life insurance

I had a pleasant time signing up for life insurance through Ethos today. Shout out to Ms. Lisa for the assistance / providing other valuable information throughout the process. I definitely recommend Ethos to anyone and everyone who might be in the market for a life insurance.

Naghma Shaukat

2025-03-04

The representative was great

The representative was great

Stephen ' ' Thomas

2025-03-04

Happy So Far! Just hope I never find out what the claims process is like :)

Extremely simply and as close to instant coverage as you can get imagine.

S. Koco

2025-03-04

Thank you Steve,

Thank you Steve, Your time and patience is more than the other companies. I appreciate it all.

FERRAZAS/PATRICIA ANN

2025-03-04

I really enjoyed this process from beginning to end! Frank Garcia is so kind and knowledgeable. …

I really enjoyed this process with the Agent Frank Garcia! He was not only very helpful, but also engaging and lighthearted. It has definitely been a great experience with him guiding me through this process. He was amazing!

Stephen Smith

2025-03-04

Easy application process

Easy application process. Multiple options which allow you to create the policy to fit your needs.

Janet Ramos

2025-03-03

Easy to use.

Easy to use.

Willis Guidry Jr

2025-03-02

Fast and affordable approvals

Fast and affordable approvals

Emily

2025-03-02

Thank you, Ethos!

I was hesitant that Ethos was too good to be true and was struggling to commit. It's also a big decision and I felt like I needed to understand everything more. Gracie called me and answered all of my questions and explained everything to me. She was so personable and helpful, it really helped to solidify my decision! Thank you!

Russell Roberts

2025-03-02

Quick and easy

Quick and easy! Straight to the point and able to be done of the computer!!

Agatha Martey

2025-03-01

Easy Application.

Easy Application.

Kena VanPelt

2025-02-28

Easy transaction

Easy transaction

p mcg

2025-02-28

This process was very simple and quick!

This process was very simple and quick!

John W. Megehee

2025-02-27

The whole process was thorough and simple.

This review title says it all.

Phyllis Young

2025-02-27

Quick and easy enrollment

Quick and easy enrollment

D B

2025-02-27

The experience was seamless and…

The experience was seamless and thorough. I feel confident we now have the coverage we need.

Angela Mcginnis

2025-02-26

Seamless processs

All of the questions were easy to answer and the process was seamless.

Akinso

2025-02-26

Seamless

The process was seamless

Lester Miller

2025-02-26

Great rates

I was very happy with the rate that I was given, and glad for the peace of mind knowing my family is taken care of, should I not be here to do it myself.

Larry Sipes

2025-02-26

The process was easy and fast to enroll.

The process was easy and fast to enroll.

Healing

2025-02-25

Ethoslife is a Game Changer

Ethoslife is a game changer in the insurance industry! I thought I would never be able to get whole life insurance due to my condition, but this is the only company that was able to get me approved and covered! I am now a true believer and a fan!

Gregorio M Flores

2025-02-25

Was a quick and easy process and now I…

Was a quick and easy process and now I have the comfort of knowing I’m covered and so is my family

Hilary McBroom

2025-02-25

Kept at me

Kept at me, gave me affordable coverage and I smoke sometimes!

Mark

2025-02-24

Great communication

Great communication. Quick and easy to set up a likfe insurance policy.

Bobbie Brickman

2025-02-23

Very easy to make a needed transaction!

Very easy to make a needed transaction!

Michelle La Flue

2025-02-22

Ethos is a blessing that only God could…

Ethos is a blessing that only God could give me in the moment my life insurance had lapsed because at over 60 I wanted a huge amount that I could not afford to keep up with but I was watching Fox News late night and their commercial appeared and I called immediately and was approved…one more thing checked off my list of important to-dos. The site is user friendly and you receive quick results, I found out within minutes. Call today and don’t delay! Sleep easier knowing you have sonething in place for loved ones to handle your final wishes and extra for them.

Shajeta Toussaint

2025-02-22

Everything went so smoothly and very…

Everything went so smoothly and very fast. My agent Michael Mauldin is very professional very knowledgeable. Every question I asked he answered, it was great working with him.

Leroy Kelly

2025-02-21

The Simplicity Of It

The Simplicity Of It

Elaine Conroy

2025-02-20

The process was easy and fast

The process was easy and fast. I am simply looking to protect my spouse / mortgage for the next few years.

Cynthia Ruth

2025-02-19

Easy way to apply for life insurance..I…

Easy way to apply for life insurance..I have been meaning to get life insurance but always got distracted with daily life needs

Melanie Davis

2025-02-19

Easy… anyone can do it

Simple process…. All online, no tests

CJ Britt

2025-02-18

ETHOS Life Insurance is the Best…

ETHOS Life Insurance is the Best Because I got approved right away. No Medical Exam for me. Included are Living Trusts, Last Will & Testament and Power Of Attorney. By far the easiest most affordable way to protect myself, family and assets.

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