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Ethos Review

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Reviews 2791

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

arturo rodriguez

2025-09-06

Great Customer, Service

Patrick guide me, Through the process, and make it very simple. Excellent attitude!

ARMANDO C

2025-09-06

Great Experience

From beginning to end it was a breeze to get my policy started.

Akili Akili

2025-09-05

I feel like I am in good hands.

I feel like I am in good hands.

Spencer Jablonski

2025-09-05

Such a simple process!

It was a such a simple process to get life insurance through the Ethos site. I would do it again in a heart beat.

Norman Roy

2025-09-05

Well trained: Your agent Chris Nguyen is a…

Your agent Chris Nguyen is a convincing agent who gave me all the good stuff, even though it was only a small finale expense policy. He made me feel as if I had him write a million-dollar policy. It took homework and study, as well as the ability to connect with others, to make me feel so at ease, and I would recommend him to my family and friends. There's something special about your guy; good job!

Pat O'Hanlon

2025-09-04

Easy Application

Easy Application. Met all my needs. I feel so good to have this coverage!! Thank you!

Angela Wernimont

2025-09-04

The ease of the process

The ease of the process. Questions was easy to understand and simple

Toi Kolowena

2025-09-04

Very easy I think this is really…

Very easy I think this is really important to keep your family at ease and it's s very good price for the family bet simple to complete.

Jennifer

2025-09-04

Trent was a RockStar

Trent was a RockStar! He made the process as simple as possible! He was very personable, and provided a superior customer experience.

JohnCarlos Arguet

2025-09-02

The attention and support I received…

The attention and support I received from the company representative (Heather Nieman) was excellent, allowing me to determine the time and amount of insurance coverage. I recommend her to anyone looking for protection for their family.

Cherfie

2025-09-02

It’s a quick process.

It’s a quick process.

LisaR

2025-09-02

Great ExperienceEasy application

Easy application, nice broker and quick response. Reasonable rates

Pamela Hall

2025-09-01

Everything was explained in terms that were understood!

Everything was explained in terms that were easy to understand. I feel that I got exactly what I needed and wanted plus a few extras that I hadn’t even considered. I’m extremely grateful for the kind words of the agent that worked with me and for me.

Aaron Resa

2025-09-01

fast and easy

fast and easy great agent

Shamla Moore

2025-09-01

Easy process to get the coverage that I…

Easy process to get the coverage that I need for my family to have a peace of mind

Clayton

2025-08-31

Obviously haven't filed a claim :)

Obviously, I have not made a claim on my term life plan. But the company quoted me a great rate and I have not heard any bad news in terms of their solvency. So, all has been great.

Jyotsna Kalahasthi

2025-08-29

This is my first time getting the life…

This is my first time getting the life insurance and the customer support team Rafael Lomeli was so patient to answer all my questions patiently.

Catherine Shaul

2025-08-29

Easy to use

Easy to use. Fast results. I would suggest having boxes where you can explain some answers.

Andrew Cone

2025-08-29

Easy and simple

Straightforward forms, no time wasting. I had some questions for an agent, who was great

Christopher Holman

2025-08-29

I had a lot of trouble with the site…

I had a lot of trouble with the site and getting textS

Sarah Olson

2025-08-28

Couldn’t believe how fast it was to get…

Couldn’t believe how fast it was to get covered.

Tony DeMarco

2025-08-28

Fast and easy!

Fast and easy!

Kevin West

2025-08-28

George was responsive

George was responsive, helpful, thorough, respectful throughout my life insurance quote process! I had shopped around several other life insurance companies and found many agents to be pushy, rude, dry or generally unhelpful. George made me feel like a valued customer and was a pleasure to work with. I just bound coverage on a 40 year term policy with a $2 million coverage. I’m happy to say I’m protecting my family so that they are financially secure during my career.

Marshall

2025-08-27

Easy Online Process…Outstanding and informative follow up!

The online application process was extremely easy and I had a rep follow up with me immediately and addressed all my questions. I highly recommend Ethos to anyone looking to acquire life insurance.

Andrew Pauley

2025-08-27

Very easy

Very easy! Great customer service

Michael

2025-08-27

I am very satisfied with the way my…

I am very satisfied with the way my agent handled my policy. Jacob Johnson was very instrumental in helping me along with this process finding the right type of plan at a budget I could afford.

Mia Albaugh

2025-08-26

Simple!

I avoided the life insurance topic due to some prior conversations that I didn’t like with other agencies. Did some more research for an easier, more reliable alternative, and Ethos did not disappoint. Was covered in less than 20 minutes.

DONNA A ROWELL

2025-08-26

The experience with my salesman was…great

The experience with my salesman was great the way he handled and explained everything! And I know I had questions but he didn’t hesitate to to answer! And very polite!

Jamie Bailey

2025-08-25

Very easy process

Very easy process! I would recommend to anyone needing coverage. Thanks

Laraine Sparr

2025-08-24

I feel better now

I feel better now

Ashwin Ashok

2025-08-23

It was an easy process from beginning…

It was an easy process from beginning to end with good phone call follow-up to ensure I had no questions

Sam Dharma

2025-08-23

Pleasant and Refreshing Experience

Applying for Life Insurance has never been such a pleasant and refreshing experience. Ethos has done a phenomenal job on the user interface by keeping it crisp and clean, both from a design and functional perspective.

Victoria Bolyard

2025-08-23

It was so easy and the agent was…

It was so easy and the agent was incredibly helpful and down to earth .

Jennifer Bryant

2025-08-21

Amazing

Amazing, Info l need life insurance before too late

Jr Where

2025-08-20

Great for my family

Great for my family, affordable, all in one.

Ava Gizzarelli

2025-08-20

Caller was very helpful and…

Caller was very helpful and accommodating to my schedule. Better price too

Frank Tamasi

2025-08-19

It was a quick and easy process

It was a quick and easy process, plus free estate planning!

Ghislaine Francisco

2025-08-16

Very easy to use!!

Very easy to use!!

Yulonda Williams

2025-08-16

Getting a peace of mind from Ethos has…

Getting a peace of mind from Ethos has been simple and easy. It’s been a phenomenal experience!

Sonny

2025-08-15

Great company and a great experience…

Great company and a great experience getting coverage online. I feel that this company is very trustworthy and have my best interest in mind.

E Ril

2025-08-13

Easy getting coverage

Easy getting coverage

Li Fang Fan

2025-08-12

easy and affordable premium

easy and affordable premium. And the sale person is friendly and patience

JJ

2025-08-12

Easy process

Easy process

DG

2025-08-12

Simple user interface and user…

Simple user interface and user experience, efficient process

Walter McDermott

2025-08-11

New client

Called in, did questionnaire and had insurance in 24 hours. Patrick was great.

Christie Garrett

2025-08-10

Easy and fast

They made it super easy and fast and now I have peace of mind for my family if something were to happen.

rhonda poole

2025-08-09

Get Covered, it's easy and affordable…

My agent was able to answer all my questions. She let me know what to expect and even walked me through some of the steps over the phone. I got a pretty quick approval and the process was super easy!

TIM COLLINS

2025-08-08

Such an easy online portal to work…

Such an easy online portal to work with, the staff were wonderful!

Tyler

2025-08-08

Simple, Stress-free, and very competitive coverage!

From beginning to end was maybe 7 minutes. Super easy and stress-free process! Most importantly, I am happy with the coverage amount and premium - very competitive!

Lisa

2025-08-07

Easy to use!

Easy to use!

Sarah

2025-08-07

Simple

Simple, straightforward and quick process for obtaining life insurance!

AJK

2025-08-07

Everything was easy and great

Everything was easy and great. I love how you make it easy to apply, see the rates, walk away for a few days to think, and jump right back in to enroll.

Luke Allen

2025-08-07

Easy application and low rates

Very easy to apply, and much cheaper than other quotes I got.

Greg Coleman

2025-08-07

My agent Adam Voorish

My agent, Adam, was incredibly helpful and kind. Walked me right through everything. Complete transparency, no hidden anything. Prior to Ethos this process seemed daunting as I knew little about what all was involved. Ethos, thanks to Adam, made this easy and now I have the peace of mind I’ve been after. Thanks Ethos! Thanks Adam!

Jesse Alfrey

2025-08-06

The process was easy to get started and…

The process was easy to get started and be insured.

Willard Shell

2025-08-06

Easy process

Easy process. Great service

Jasmine Aye Kyawt

2025-08-06

My own policy was approved within 24…

My own policy was approved within 24 hours, and it is very easy to submit.

Tresher Rhodes

2025-08-05

👍🏻 good

Good good 👍🏻👍🏻

Ken

2025-08-05

Straightforward and very easy process

Straightforward and very easy process. Was done with all the questions in around 15 minutes. Highly recommend

Nicholas S

2025-08-04

Thank you Brian!

Thank you Brian! Brian was incredibly helpful as we found the right policy for our family. He helped nudge us along to take the time out of our busy schedule to make sure we were planning for the long term.

Jeffrey Allamon

2025-08-04

Great company!

Great customer service and timely!

John Little

2025-08-04

So easy!

So easy!! Very simple.

Josh Franks

2025-08-03

Simple

Simple , safe and secure. Much cleaner process that I have felt with before

Ricky Roberson

2025-08-01

Micheal Gray is the man

Micheal Gray is the man! Quick easy and to the point ! I highly recommend him!

Jason R. Pearson

2025-08-01

Friendly and easy

Friendly and easy. Thank You

Nick Ross

2025-08-01

Man, early 40's, looking for 20-year policy

I'm a husband and father in my early 40's. I already have a term life policy that expires when I turn 50 and wanted some coverage in place after age 50. I answered the health questions and got a response in minutes that I qualified for quite alot of coverage. It showed a sliding scale that you can adjust and see what term coverages you can get and for what price. It was super easy to use and understand. I ended up purchasing a 20-year life insurance policy at a great monthly rate in less than ten minutes. An agent - Mat - texted to let me know he would be calling and then called within a minute as I was finalizing my policy and answered questions to make sure I got the right policy for my situation. I was very impressed and would recommend this to anyone.

Sikiru Ramoni

2025-07-31

Gabriel Sanchez is a great guy. He helped me through the application process just like his family

Gabriel Sanchez is a great guy. He helped me through the application process just like his family

Danielle Waite

2025-07-31

Rafael Lomeli was very helpful

Rafael Lomeli was very helpful, patiently explaining my policy and answering all my questions with a warm, teacher-like approach.

Chad Girouard

2025-07-31

Simple application, reasonable rates, insurance same day!

Simple online application form that took about 10 minutes. Was provided with flexible coverage and term options so that I could compare prices. Was able to complete the whole process and have insurance effective the same day. Definitely recommend Ethos for life insurance needs!

Marina Rad

2025-07-31

I got all my questions answer and I…

I got all my questions answer and I sign up then and ther. Damon H is the account executive on my account. He also walk me thought all things in my account which I really appreciated that.

JP

2025-07-29

Ethos Life is the only place for life insurance - quick, honest, straightforward

Ethos Life has the easiest, most straightforward process on the planet for getting life insurance. It is the quickest and easiest of all the places I looked at. Others will have you jumping through more and more hoops and upping the payment every chance they get, but Ethos Life is straightforward with no surprises.

David Calhoun

2025-07-29

Difficult to get ahold of someone to…

Difficult to get ahold of someone to answer questions

Alicia Johnson

2025-07-29

Quick and easy with great rates.

Quick and easy with great rates.

Yanelis Pechero Pérez

2025-07-29

Excellent ❤️❤️

Excellent ❤️❤️

David in Miami

2025-07-29

Like buying life insurance it were sold by Amazon. Easy.

This was like buying life insurance as if it were sold on Amazon. It couldn't have been easier. The technology to do this is amazing. I answered questions, and I could tell they had information about me including pharmacy records. I uploaded my driver's license and then they took a photo of me, I guess to make sure it matched. I was approved instantly. There was a range of coverage to select, and I chose the maximum, gave my banking information for the monthly payments, and the policy was issued. I got a pdf of the policy. Done. I would have done an exam, but it wasn't necessary. I don't think there is any better way to get life insurance.

Ashley Hallman

2025-07-29

Website is so easy to navigate and…

Website is so easy to navigate and prices are great!

Jimmy Godwin

2025-07-28

Great service and excellent help.

Great service and excellent help.

Janice Millare

2025-07-27

Easy to navigate..

Easy to navigate..

Kadian

2025-07-25

Daylin is the BEST!

I had an excellent interaction with my new agent Daylin. Extremely knowledgeable, personable and professional. All of my questions were answered and all my needs were met. I would definitely recommend.

Kristy S

2025-07-24

Simple. Easy. Fast.

It was so easy to find out if and what I qualified for. It took literally just a few minutes from beginning to end. I am also sharing this experience with my clients because it's so simple to use and easy to share.

Terry Wood

2025-07-23

Easy

Easy to fill out

Roland Bradford

2025-07-23

The process was simple to follow.

The application process was very simple and thorough. I would recommend Ethos to those I know.

Jerry

2025-07-23

I created a will & trust

I created a will & trust, paid the $150 fee and was told I could get in to my account and make changes. Every time I tryed to get into my account it wanted me to start over. Support was no help After many emails etc Support solved my problem and I am very happy

Ben Petersen

2025-07-23

Easy to work with great service!

Easy to work with great service!

Tamika G Howard-Smith

2025-07-22

It was a great experience to deal with…

It was a great experience to deal with them but right now I don't have the funds but I will have it next week if they can understand but I will give them information once I get it i will let them know

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