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Ethos Review

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Reviews 1516

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

Alba

2024-03-24

Easy to understand and affordable

Easy to understand and affordable.

Megan Waid

2024-03-24

Coverage is so important to me

I loved how user friendly it was. Excellent experience.

Sebastian Cazares

2024-03-24

Fast and easy

Fast and easy! Now I can leave some money to my children and my mind can be at ease.

Jacquelyn Bond

2024-03-24

Forbes recommended 👌

Forbes recommended 👌

chadwick alvis

2024-03-24

Very convenient and cistomer service is…

Very convenient and cistomer service is excellent

Oscar Quezada

2024-03-23

They are quick and efficient.

I appreciated the clear communication. I liked the simplicity of the website and how quickly everything was done.

Elias Querales

2024-03-23

The time is very short and special

The time is very short and special

Cathryn Craig

2024-03-22

A++ experience

The process was simple, easy to understand and I got the coverage I need to protect my family's future.

Andrea Moreno

2024-03-22

Laura

Laura, she is great and really helpful

John Howard

2024-03-22

Agent’s were very friendly and…

Agent’s were very friendly and professional. Very smooth process and they explained and answered all questions.

Guy Francois

2024-03-22

Thanks thank you very much thanks

Thanks thank you very much thanks

Jennifer Geerts

2024-03-22

Quick and easy

Process was quick and easy online with a follow up phone call and text with Laura from Ethos ensured I got personalized assistance.

Ron Peters

2024-03-22

quick and easy

quick and easy

Francisco Coronel

2024-03-22

Great experience!

Great experience!

Mark Boever

2024-03-21

Affordable

Easy to apply and receive instant feedback to acquire life insurance. Other companies....not so.

CB

2024-03-21

life insurance

very quick process

Annette Duke

2024-03-21

The specialist that helped me was very…Informational

The specialist that helped me was very professional and supportive.

Consumer

2024-03-21

Great options

Great self service and very easy to maneuver. Even better representative that was very knowledgeable and helpful. Definitely recommended

Todd Wagoner

2024-03-21

Easy sign up and coverage.

Easy to sign up. Takes up to 10 minutes. In 10 minutes your family is covered. Easy peasy

Tony

2024-03-21

I love the application process there…

I love the application process there were no problem doing it and it didn't take too much time.

Jithin V

2024-03-21

Easy to apply

Easy to apply. Policy was issued within 5 -10 mins of starting.

Laura George

2024-03-21

Agent was so helpful and answered all…

Agent was so helpful and answered all questions. Felt good to deal with him. The experience could not have been better

Dr. Cyntrel Janeau

2024-03-21

Exceptional service and peace of mind!

Exceptional service and peace of mind! I cannot speak highly enough of Ethos Life Insurance Company. From the initial consultation to the personalized policy recommendation, the attention to detail and genuine care were evident. My agent, Chris Janeau, went above and beyond to explain every aspect of the policy, ensuring I felt confident in my decision. His professionalism, transparency, and responsiveness throughout the entire process were truly commendable. With his guidance, I found the perfect coverage tailored to my needs, offering me more security and protection. I highly recommend Ethos Life Insurance Company, and Chris Janeau, Agent, to anyone seeking reliable and trustworthy life insurance solutions. Thank you for providing such outstanding service!"

Dan Swanson

2024-03-21

What a monumental difference between…

What a monumental difference between Ethos and other online insurance platforms, so well done.

CHRISTOPHER MELENDEZ

2024-03-21

Easy and seemless

I got a call immediately by an extremely helpful person that answered all my questions and joining was super easy considering the importance and weight of getting life insurance.

Demetrius Holloway

2024-03-20

Excellent service and great policies!

Excellent service and great policies!

Tequilla

2024-03-20

Painless process

It was a very easy and fast process.

Dean Harding

2024-03-20

Good customer service

Good customer service

Simon L

2024-03-20

Quick and easy approval process.

Quick and easy approval process.

lateisha henderson

2024-03-20

This company makes it much simple to…

This company makes it simple to get coverage without all the troubles!

Suzy

2024-03-20

There’s not much info on when payment…

There’s not much info on when payment will be drawn, how to access account etc.

Antonio Vanhook

2024-03-19

Quickest and less hassle way of getting life insurance.

Getting a quote was quick and easy for me not only that my application was approved within 10 mins. I've been looking long and hard to find a insurance carrier that will approve me with my medical history. Ethos Life did it and I'm extremely excited.

John DeMarie

2024-03-19

Ease and great customer service

Ease and great customer service

A satisfied customer

2024-03-18

Intuitive interface

Easy to use and get approved. Intuitive interface.

GALE CASEY

2024-03-18

Experience was good

Experience was good

Karen Fields

2024-03-18

affordable coverage in less than 10…

affordable coverage in less than 10 minutes!!! WOW, this is a game changer for protecting families all while giving us the control to choose our coverage and premiums. Thanks, Ethos's!!!!!

Alicia Anderson

2024-03-18

The process was smooth and unique

The process was smooth and unique! And Gives you an instant result!

AJG

2024-03-18

Incredibly easy to use

Incredibly easy to use. The application process was painless, and I could customize my coverage options with ease.

VaN P

2024-03-18

The sign up was easy

The sign up was easy. A few too many personal questions, that I didn't really think were relevant, but signing up and acceptance was a breeze. I can't honestly speak for the service as coverage just started. If all goes well, I'll come back and change to 5-Star! :-)

Mrs. Jones

2024-03-17

Been procrastinating getting it but I…

Been procrastinating getting it but I refuse to keep generational curses going with leaving nothing behind for my family, it’s amazing how simple it was to get my quote and start my policy. Answer a few simple questions, add family and finalize with a few verification questions. I’m actually a lot more relieved than I thought I would be.

Phillip

2024-03-17

Very fast and easy to use.

Very user friendly.

Adolfo Varela

2024-03-17

Very happy exelent thank you

Very happy exelent thank you

Mike Geer

2024-03-17

No Follow Up

This is an edit of my previous review. Customer service has improved markedly in the couple of days since I initiated my policy. I will concede that I started the policy during weekend hours which may have affected the company’s ability to respond to my concerns. Once everything gets squared away I will update the review again and give 5 stars. Life insurance is something one should want to make certain gets handled correctly to avoid adding to the grief of those we leave behind. I chose Ethos for the price but I can’t sacrifice service.

Desiree Gill

2024-03-16

I didn’t particularly like all the…

I didn’t particularly like all the questions. I feel life insurance should be given to whoever needs it.

Shawn Jones

2024-03-16

Very awesome

It was really easy to do app an application approved

LOLITA SAIDY

2024-03-16

😃 Great because y'all are the best…

😃 Great because y'all are the best insurance company for me Thanks again ❣️

JJ Mirelez

2024-03-16

Simple easy no hassle

Simple easy no hassle

Esther Sekiziyivu

2024-03-15

Fast and easy

Fast and easy

Alex Zhong

2024-03-15

Very easy and smooth experience

Very easy and smooth experience. And got a very good price as well.

JWF

2024-03-15

Life insurance

This was a very smooth and easy process.

Angela Hartle

2024-03-15

Super easy with no harassment.

Super easy with no harassment.

Nicole McFadden

2024-03-15

Easy process made it simple

Easy process made it simple

Paul Russo

2024-03-14

easy to understand fast and easy to…

easy to understand fast and easy to apply

Bob Mann

2024-03-14

Thank you this is the best ever I’ve…

Thank you this is the best ever I’ve seen trust me I’ve been around in the world and this is the best technology I’ve ever seen. I’m so proud to ethos and being a partner with them.

Damon Mosby

2024-03-14

What is great about Ethos is the quick…

What is great about Ethos is the quick seamless process. It is straight forward and all done quickly online but you also have access to someone if you need to talk to a real person.

Amanda Scogland

2024-03-14

Pretty fast process and same day…

Pretty fast process and same day coverage.

Fightback Media Group

2024-03-14

Having an affordable option was very…

Having an affordable option was very important to me.

JAL

2024-03-13

Very simple and easy to navigate thru

Very simple and easy to navigate thru

Bh

2024-03-13

Great services

Great services. Fast response !!!!

Jason

2024-03-13

Thank you

I had no issues and it was very easy

Roeeyah Lydia Chamas

2024-03-13

Very easy to follow wonderful user…

Very easy to follow wonderful user friendly I enjoyed taking the steps and now my family are covered and I still have my arms and legs thank for this amazing experience 🥹😍🙏🏾

MC

2024-03-12

Website user friendly

Website user friendly. Easy to choose a policy.

Jean Tauai

2024-03-12

Simple and options

Simple and options

Norbert Przytula

2024-03-12

Great

Great service

Caitlin Twenge

2024-03-11

The website is really easy to access…

The website is really easy to access and everything is easy to understand. We've had a great experience getting onboarded and utilizing the service.

Michelle Sabourin

2024-03-11

This was a very easy process

This was a very easy process. Only took me about 20 minutes to complete!

Tou Cha

2024-03-11

Easy setup but not cheap.

Easy setup but not cheap.

Jeanna Robinson

2024-03-10

Application process was very user…

The application process was very user friendly. I'm so grateful to qualify for life insurance.

Joey

2024-03-10

Giving a person hope for my family when…

Giving a person hope for my family when I’m gone.

Alfreda

2024-03-10

Hassle Free Approval

The application process was easy and fast without any hassles. I love the simplicity of how the process was handled with this company. Keep being great and serving people!

Terri Vigh Daigle

2024-03-10

Good follow up

Good follow up, knowledgeable about products and willing to answer All of my questions without making me feel rushed.

Brandon Guy

2024-03-10

Quick process

Quick process

Justin Peterman

2024-03-09

Very responsive

Very responsive, quick and painless

Kurt

2024-03-09

Thank you Ethos!

Ethos simplified the life insurance process and provided a competitive rate.

DJ Alonso

2024-03-09

Wow, super easy and affordable!

Wow, this process was super easy. I got approved right away, when a few years ago, the process with another company was taking months just to get through underwriting, so we canceled all together. This plan has a longer term for a smaller monthly premium too. I highly recommend this for everyone. Life insurance is too important to let anything get in the way, so the convenience here is amazing!

Marcy Magnan

2024-03-08

Kai was understanding and very easy to…

Kai was understanding and very easy to work with, I would recommend him to anyone looking for life and final expense insurance.

Joshua Williamson

2024-03-08

Soooo Simple!

Soooo Simple!

Liz Corrales

2024-03-08

My agent was wonderful

My agent was wonderful. He has been so helpful, kind and patient. He was easy to talk to and I never felt pressured. He answered all of my questions clearly.

Peter

2024-03-08

Fast and easy

Fast and easy

Phyllis Norman

2024-03-07

Excellent well done job

Everything was so well put together and self explanatory. it was so easy to set everything up.

Louis Frank Maschio

2024-03-07

GREAT SERVICE

Absolutely pleasant and fantastic service. All was made easy

Zeenat Syed

2024-03-07

"…My life, God's decision" with "ETHOS"

The application process was easy,step-by-step, and explanations.

Jordan Caballero

2024-03-07

So grateful for ethos

So grateful for ethos. Super easy process. Feel better knowing I got coverage and a will for my family.

Maggie Dufour

2024-03-07

The website was so user friendly and…

The website was so user friendly and easy to understand. I had been hesitant about getting a policy because I was unsure what I really or how it would all be broken down but Ethos made it so easy to understand.

GQ

2024-03-07

Getting a license agent is too slow

Getting a license agent is too slow. If it wasn't for that. I will give it 5 star

Sonia Stamatopoulos

2024-03-06

Jamarye is very professional and his…

Jamarye is very professional and his willingness to help is unsurpassed. Thank you.

Pearlina Williams

2024-03-06

Ms.Brittany is amazing 😻 She went above…

Ms.Brittany is amazing 😻 She went above an beyond to make sure my family is covered.

LSU Tigersfan

2024-03-06

Efficient Application

The process was so easy and virtually painless. I'm really pleased with the ease and speed of the entire application process..

Amanda

2024-03-06

Ethos Life Insurance Made Easy

Ethos really made the process of protecting my family easy and affordable. If you're scared that the process will be difficult or cost too much, don't be. Ethos is great company to work with.

Timothy Warren

2024-03-06

It was fast and easy

It was fast and easy

Kay

2024-03-06

Very easy to get through the process.

Very easy to get through the process.

Nipaporn Intharapun

2024-03-05

Fast but informative process!

Fast but informative process!

Jackelyn Lovelace

2024-03-05

Our agent was nice and knowledgeable.

Our agent was nice and knowledgeable.

Toby Yannacone-Smith

2024-03-05

The application portion was very easy

The application portion was very easy. Once I was approved I kept getting conflicting emails indicating different prices and policy terms. Overall I found a policy that was cheaper and provided greater coverage that allowed me to cancel a more expensive policy with less coverage.

Nia Ransom

2024-03-04

Ethos is excellent

My experience was great. The process was easy and simple. The agent who assisted me was very helpful, professional, and knowledgeable. I feel relieved that I have this taken care of. Not to mention the free estate planning tool.

Kenyatta Seward

2024-03-04

My experience signing up was a great…

My experience signing up was a great one.

Alonda Petty

2024-03-04

Quick and easy application I got…

Quick and easy application I got coverage for myself to protect my family

WS

2024-03-04

Breezy online application

The online application process was a breeze. I can't attest to customer service, and I hope my family never needs to, but completing the application and getting approved was fast and easy. It's a relief knowing my family will be taken care of should anything happen to me.

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