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Ethos Review

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Reviews 2144

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

Brian lewis

2024-11-03

ETHOS IS THE BOMB WHEN IT COMES TO LIFE INSURANCE.

ETHOS MADE IT SOOOOOOO EASY TO APPLY FOR MY LIFE INSURANCE POLICY AND APPROVAL TOOK ONLY MINUTES. IN ADDITION, IT IS VERY AFFORDABLE! I WOULD GIVE THEM 10 STARS!

Lauren

2024-11-03

Easy quick nice

Easy quick nice

T.J

2024-11-02

I was looking for a policy that covers…

I was looking for a policy that covers and fair pricing. This is worth my time compare to other companies. Got a great price.

Mr Kyle H

2024-11-01

Surprisingly easy

I was skeptical at first that I could get life insurance without a medical exam, but I did with ethos and was happy with the result very knowledgeable staff

Lisa Simpson

2024-11-01

Ethos Customer Service for the WIN !

Online reviews, comments, & research are not wrong for Ethos. I moved forward with my online application. Super easy! AND one of Ethos' Account Managers, Phil Davis, text/called me to discuss any concerns I had before I purchased the product. We love Phil!

Vee Moten

2024-11-01

My experience was short and…

My experience was short and painless..absolutely great!

Daniel Covey

2024-10-31

Very easy and straightforward process

Very easy and straightforward process. Took about 10 minutes to get through the quote and application and got approved and issued within an hour!! Amazing experience! Would definitely recommend!

Renee

2024-10-31

Excellent life insurance policy

Excellent life insurance policy. Low rates.

Holly Lewis

2024-10-30

Professional demeanor

Professional demeanor, all questions answered thoroughly

Rudy Lara

2024-10-29

Process very easy to understand

Process very easy to understand. Encountered no issues of "questionable" wording during the process that many other insurance companies employ to screw their customers out of coverage when they need it most. When there was a question; seems the process has been refined as at those points were help links to provide guidance. Overall a very stress free process. And who needs stress when you're trying to gain peace of mind...

Michael Bayson

2024-10-29

Easy process to get insurance.

Easy process to get insurance.

Fabio Franco

2024-10-28

Great quick and professional service

Great quick and professional service, impressed with how easy it was.

Paula Pinto

2024-10-28

Service

Fast service and immediate approval

Dan Swiatkowski

2024-10-28

There is nothing like this . . . . .

I was looking around for affordable life insurance for my wife and I for a while now. When I found out about Ethos I was cautiously optimistic. I was hoping that I could find life insurance for myself (a 62-year-old male) and for my wife that we could afford and still cover all the expresses of a funeral plus some extra money for my wife to live on. I was very happy to see that Ethos offers affordable life insurance for someone my age. I have told several of my friends about Ethos and they are very happy they went to Ethos as well. “THANK YOU ETHOS”

Stephen Dixon II

2024-10-28

Very easy to use

Very easy to use. Detailed info on coverage.

Ashley

2024-10-28

I absolutely LOVE ethos life

I absolutely LOVE ethos life. Everything was so easy. When they no doctors exam, they truly mean it. Just by me putting in my personal info, they pulled EVERYTHING on me lol. My agent, Dustin, is amazing. He walked me through everything and even helped me with the free Will & Estate planning that comes with the plan. I love love this. I know my family is in good hands.

LAURIE FREEMAN

2024-10-27

Ease of application and a great price…

Ease of application and a great price for a peace of mind!!!

Mark

2024-10-27

My agent was great

My agent was great! The process was seamless. I now have the confidence my family will be taken care of

Angeline M Perales

2024-10-27

Quick and easy and fast approval

Quick and easy and fast approval. I am now feeling more secure about my daughter and grand daughters future. Thanks Ethos!

Samantha Beiner

2024-10-25

Was easy and great online experience

Was easy and great online experience. Didn’t have to call and get transferred all over to get the coverage I needed.

Graceful Farms & Kitchen - Ms.

2024-10-25

That was so fast and super easy

That was so fast and super easy. Best investment ever! Love protecting my family!

Kathy Lao

2024-10-25

Best Customer Service!

I had the most amazing agent helping me. He was kind, thorough, and very informative. He had a very caring spirit. He made sure I was taken care of and ensured that I had the right coverage. I highly recommend Ethos.

Mark Fuster

2024-10-24

Insurance enrollment

Very helpful and easy for me (and the disability/Life insurance expert that helped me) to complete the enrollment process. Appreciate the coverage package as well.

Pola O'Rourke

2024-10-24

Patrick Duggan was super helpful and…

Patrick Duggan was super helpful and nice

Angie Love

2024-10-24

Ethos is a life changing

Ethos is a life changing

Tracey Miller Mota

2024-10-24

Informative and helpful with so much compassion

Carl Isaac was a very informative understanding and helpful individual representing ethos life insurance and I had such a good experience that I am going to be using him again for my mother's insurance purposes, so absolutely would recommend.

Ryan Olsen

2024-10-23

Easy process!

Easy process!

Russell Reynolds

2024-10-23

Quick and easy process

Quick and easy process. Got a competitive price

Lonzy Palmer Jr

2024-10-23

Really great experience with customer…

Really great experience with customer service!! Willingness to help and teach. Thanks for the awesome service...

Thomas

2024-10-22

Life Insurance at 53

Was just an easy process to answer questions and when there was a discrepancy i was given step by step info to correct.

Adlyn Nuñez

2024-10-22

It was so easy to set up my policy

It was so easy to set up my policy! I’m happy to know that my loved ones are covered.

Jennifer P

2024-10-21

Fast approval

The application process and approval was very quick!

Jeffrey Himelfarb

2024-10-21

Life

My agent victoria was fantastic from start to finish.

Kate Alix

2024-10-20

The ease of application and the quick…

The ease of application and the quick turnaround for approval was above and beyond. So far I am very impressed with this company.

Kyle K.

2024-10-19

Efficient and easy to use

Efficient and easy to use

Armando Colon

2024-10-18

Fast and Approved online

Fast and Approved online. Easy process

Saimua

2024-10-17

I'm covered

I'm covered. It is a blessing to be able to get the help I need for my daughter and friend.

Joan Rudy

2024-10-17

Easy, Quick, Affordable

Easy, Quick, Affordable

Q. Otero

2024-10-17

Nicholas was so helpful and not pushy

Nicholas was so helpful and not pushy. I’ve tried to complete coverage before and the process was always a bad experience so I never finalized. This time was awesome!! Thank you!

Tanya Mendoza

2024-10-16

Fast and easy coverage in minutes

Fast and easy coverage in minutes! My family is protected and I can have the peace of mind knowing my finances will be in order.

H. Lamar Willis

2024-10-15

The ease of use of the website is…

The ease of use of the website is great. The website is great, easy to access and easy to navigate.

Gary Lee

2024-10-15

Great Service.

The agent worked well beyond working hours to answer questions and write the policy.

Efren Cortez

2024-10-14

Great customer service

Andre Gomez was extremely patient, knowledgeable, and helpful.

Gavin Cunningham

2024-10-14

Fast coverage

Fast coverage, great platform, easy process, would recommend to anyone looking for coverage.

Edgar Hampton

2024-10-14

Super easy to navigate

Super easy to navigate. Upfront cost all listed with no surprise additions at the end. The entire process was hassle free

L. Akagi

2024-10-14

Got Coverage

Great coverage.

Clint Randolph Kiplinger

2024-10-14

👍 great

Thanks for the business

Nss

2024-10-13

The agent was very knowledgeable and…

The agent was very knowledgeable and helpful assisting me in completing my application. He made the process stress free and simple. I would Highly recommend!

Stephen Watkins

2024-10-13

Ethos is the BEST!

This company gave me life insurance when others wouldn't. In addition to my Living Trust's assets, I am leaving the proceeds of my life insurance policy to my Significant Other, so she will have plenty of assets after I'm gone. The process was fast--in fact, almost instantaneous. Wow!

Demetrice Webb

2024-10-12

Easy process! Reasonable rates!

Reasonable rates. Super easy online application process! Prompt approval & simple payment set-up!

Lisa Schemm

2024-10-12

Easy to get done.

Easy to get done.

S Weinstein

2024-10-12

Easy to use / Great sales rep

Easy to use. Had a rep help me. He was very knowledgeable and made application a breeze. Very polite and patient.

Stephanie Scott

2024-10-12

It was easy to apply for and my…

It was easy to apply for and my coverage amount is reasonable. This company offer a variety of benefits. I chose the best company for my insurance.

Sissy R

2024-10-12

Awesome!

I am very happy with the amount of coverage that I'm getting. I was shocked at the monthly price too. The agent was super nice and very helpful.

Matilda Adams

2024-10-12

This so easy

This so easy, type 2 diabetic and was approved for $150k for $60 a month! Within 10 minutes online and no sales person.

BLANCA OROZCO

2024-10-11

Sandra was very nice and patience…

Sandra was very nice and patience taking the application.

Mekias

2024-10-10

It's simplicity

It's simplicity

Jeremy

2024-10-09

great experience

my experience was great. website was eay to manage. talked to agent on phone also and she was great and very helpful

Nancy

2024-10-09

Easiest transaction ever!

Easiest transaction ever!

Grant Hill

2024-10-09

Online Application - Fast and Easy!

Just joined Ethos Life to add to my life insurance coverage. My company/employer provides life insurance equal to 2x my annual salary. Ethos Life allowed me to increase my total life insurance coverage to a level that provides additional peace of mind for our family!

AK

2024-10-08

Fast and Friendly

Efficient, easy to apply and great service.

Matt

2024-10-08

simplicity

The process was very simple and quick!!

ROBERT JAMES III

2024-10-08

Seamless process

Seamless process. Highly recommended.

nitin vetal

2024-10-08

Very professional customer service

Very professional customer service , answered my questions before signing up

Reinfred

2024-10-08

Easy to enroll

Easy to enroll . No hustle.

Ashley

2024-10-08

Easy and quick.

Easy and quick.

Feroz Amin

2024-10-08

JJ couture is the best

JJ couture is the best

Natalie M G. Tarango

2024-10-07

Very easy and easy to understand

Very easy and easy to understand

Alicia K

2024-10-07

Great Experience

Fast, understandable, comprehensive communication from our agent.

Benjamin C

2024-10-05

Very easy to use and to understand.

Very easy to use and to understand.

Matthew G

2024-10-05

Eric Montgomery 1 of 1

Eric Montgomery has been a blast to work with. Even in this field where difficult decisions have to be made, he made this process smooth and easy. Very informative, emphatic and empathetic person surrounding life insurance. I’m honored to have him as my agent.

valhh

2024-10-04

Easy!

I logged on to the site after seeing an ad on television, and I have to say that this was the easiest insurance quote I have ever obtained.

Eric

2024-10-04

Simple process and quick approval

Simple process and quick approval! Was very pleased with the experience!

Servicios Funerales Profesionales

2024-10-04

Everything is user friendly

Everything is user friendly

Seung Jeon

2024-10-03

Easy and simple process

Easy and simple process. Great work !

Cheka McCoy

2024-10-02

Their dedication and fervor were truly…

Their dedication and fervor were truly remarkable. They demonstrated a deep understanding of my needs and aspirations. Their commitment to finding a solution that exceeded my expectations was commendable. I was particularly impressed by their proactive approach and willingness to go the extra mile. Their efforts have undoubtedly made a lasting impact.

Scubaskiermom

2024-10-01

quick and easy process

quick and easy process you made insurance easy peasy!

Lori Mullins

2024-10-01

Very easy to use and great coverage for…

Very easy to use and great coverage for the price

Melinda Artis

2024-10-01

Great and fast response and easy…

Great and fast response and easy application process

Valeria Rivera

2024-09-30

I loved my agent!

I loved my agent!

Taz Petersen

2024-09-29

Fantastic rep

Fantastic rep, never felt I was being "SOLD". Corey was thorough, answered every question and took the time I needed to feel comfortable with the company.

Michael

2024-09-28

Very easy to apply.

Very easy to apply.

Shonda

2024-09-28

Awesome experience

Awesome experience! I feel peace knowing I have protection in place.

Kalyn

2024-09-28

The ease and cost effectiveness is…

The ease and cost effectiveness is awesome

Kyndi Jensen

2024-09-27

Easy to use and quick!

Easy to use and quick!

Dillon

2024-09-27

Very easy and enjoyable experience

Very easy and enjoyable experience. My agent Ryan Sacks made it simple and helped point me in the right direction on what I needed.

barbara hill

2024-09-26

I'm protected put a smile on my face

To know that I'm protected,it just put a smile on my face

Leina'ala Ortiz

2024-09-26

Mike Bailey was wonderful

Mike Bailey was wonderful. He helped get me exactly what I needed for my daughter in case something should happen to me. Mahalo!!

Valerie Hardin

2024-09-26

Fast and easy

Fast and easy, and I didn't have to talk to anyone!

Quami Crawford

2024-09-25

I have Peace of Mind

The process to applying was easy and the question very staight forward. The website as well was user friendly and the time to complete was timley. I would recommend if you have time managment as a priority. Thank You Ethos you are giving me Peace of MInd.

Taifilele

2024-09-25

Easy to understand and simple

Easy to understand and simple

Matt Dougan

2024-09-25

Easy to do

The website is clear and easy to use andunderstand with an easy application and approval.

Gerardo Tovar

2024-09-24

Quick and simple

This was really quick to fill out. Simple and self explained..

wonderwoman

2024-09-24

Kevin K.

Kevin K. agent, and your team of course.

John

2024-09-23

Easy to use and prompt service

Easy to use and prompt service. Thank you

Valorie Rivera

2024-09-23

This was extremely fast and easy to…

This was extremely fast and easy to navigate.

kevin frazier

2024-09-23

How IULs are setup

Very friendly and an overall good experience

Althea OConnor

2024-09-23

Very easy!!

Very easy!!

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