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Ethos Review

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Reviews 2970

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

Jeffery

2025-10-12

Great online experience & customer support!

Easy online experience with an immediate follow up phone call from George with Ethos. George answered the additional questions I had. My application was actually approved before I received the call from George. Absolutely no medical examination was required. I actually take medication for cholesterol and high blood pressure. Great experience! I highly recommend Erhos.

Matthew M

2025-10-12

Such an easy application process

Such an easy application process. Not entirely thrilled with the coverage I have been offered, but that's partially due to my own issues! Very easy to use and to understand.

Lynne Crupi

2025-10-12

Easy application

Easy application, no medical exam and quick policy return.

Michael Rolle

2025-10-12

Ease of answering questions

Ease of answering questions

Alyssa W

2025-10-12

Simple and Fast!

If I knew it would be this easy, I’d have checked it off my list sooner!

Leroy Brown III

2025-10-12

Easy to apply

Easy to apply! reasonable price for coverage

Bernar

2025-10-11

Simple

Simple, quick, and easy!

Mike Panach

2025-10-11

I’m very happy and satisfied with my…

I’m very happy and satisfied with my coverage it fits my needs!

Ashleigh Appel

2025-10-11

Good and easy to apply

Good and easy to apply

Jimmy Dyer

2025-10-11

Ease of application

Ease of application

Harold Bayonne

2025-10-11

Easy application process

Easy application

Jamie Jackson

2025-10-11

user friendly.

They process was very user friendly.

Sandi

2025-10-11

Good Experience

After all the questions, got approved fast and I am covered on the same day.

BA

2025-10-11

Trust

Simple to use

Steven Casatelli

2025-10-11

Very easy and convenient

Very easy and convenient

Kaylee Jones

2025-10-11

Easy to use and really simplified…

Easy to use and really simplified things for me and my Loved ones!

Robert

2025-10-11

Great customer service

Great customer service

Joshua Murray

2025-10-11

Ease of Applying

Very user friendly.

Tc Pendarvis

2025-10-11

Just an overall easy experience to…

Just an overall easy experience to navigate online. Easy to set up a Trust and Will. To update info im very happy.

JD Yao

2025-10-11

What an incredible experience

What an incredible experience! Ethos combines cutting-edge technology with a refreshingly simple and secure online application process once I started my life insurance application. Midway through, my newly assigned agent reached out via a secure line to answer my remaining questions and seamlessly activated my new policy. I couldn’t be more impressed, I'll highly recommend!

Kareem Hinds

2025-10-11

Quick

Quick, but thoroughly informative. Improved my coverage and helps to accommodate my plans moving forward!

Ronnie Givens

2025-10-10

The experience was wonderful and…

The experience was wonderful and caring. This was a difficult experience, but one that had to be done.

StevieB

2025-10-10

Convenient and simple..

Convenient and simple... just as advertised ✨️

Mohammedtabrez Shaikh

2025-10-10

Easy and fast process

Very happy with the app and process.

D. Lewis

2025-10-10

Fast

Fast, easy, peace of mind in minutes!

Neo dela Cruz

2025-10-10

Fast and easy

Fast and easy

Deborah Luna

2025-10-10

Larry Macias is very knowledgeable &…

Larry Macias is very knowledgeable & works hard to provide the correct and best information based on the client’s needs.

Dale V

2025-10-10

DO IT

It needed to get done and they were persistent in following up on my procrastination. Super easy.

Oghenerabome Asama

2025-10-10

Easy and straightforward

Easy and straightforward

Gary Skinner

2025-10-10

Not having to apply over phone with…

Not having to apply over phone with agents.

Mark Long

2025-10-10

Easy and professional.

Easy and professional.

barbara walters

2025-10-10

easy

very quick and easy

Lbstegman

2025-10-10

Policy was straight forward.

Policy was straight forward. Great customer support.

Paige Van Rensselaer-Kunkle

2025-10-10

Very easy process and appreciated that

Very easy process and appreciated that

Keith T

2025-10-10

So quick and easy to apply

So quick and easy to apply. Our agent Nick Padgett was extremely helpful and professional. He was available to answer questions throughout the entire process.

Ryan Clark

2025-10-10

Great easy process

Great easy process

Marlon Olano

2025-10-10

I want to protect my family

I want to protect my family

James Cook

2025-10-10

Easy

Easy, quick, and simple to follow

Anthony Gaston

2025-10-09

Quick and easy!!!

Quick and easy!!!

James Leslie

2025-10-09

Great experience. Ease of use.

Simple and guided process

David Maldonado

2025-10-09

Convenience

Convenience

Maribel Ramirez Henry

2025-10-09

EASY TO USE WEBSITE

EASY TO USE WEBSITE

Megan Lauterjung

2025-10-09

Easy sign up through my financial…

Easy sign up through my financial advisor.

Oleksii Razin

2025-10-09

Everything is fast

Everything is fast, clear and understandable.

Samuel Goode

2025-10-09

This was simple and easy

This was simple and easy. I've put off getting life insurance because of the whole deal being complicated. This was easy and painless.

Chaquita Evans

2025-10-09

Great easy experience!!

Great easy experience!!

Frances Corado

2025-10-09

Good fast service

Good fast service

Chelsea

2025-10-09

Simple process

Simple process. Love that it can be done all online!

Eric

2025-10-09

Good experience

Fast results, people very helpful and professional.

Jason Lantry

2025-10-09

The agent that walked me through the…

The agent that walked me through the process and coverage was amazing. I had a lot of questions that she answered clearly. I am very happy with the policy I have in place. Thank you

Harry Duong

2025-10-09

Super easy to do

This made life insurance easy to do

Kenia Watkins

2025-10-09

This was quick fast and efficient

This was quick fast and efficient

Enrique Hernandez

2025-10-09

Fast and easy way to give us piece of…

Fast and easy way to give us piece of mind.

Felicia Scott

2025-10-09

Agent explain very clearly 2

Agent explain very clearly 2

Ann Marie Maher

2025-10-09

I appreciate that my information is…

I appreciate that my information is easy to access and your website is easy to navigate.

Christopher Meehan

2025-10-09

Good easy process

Good easy process

james PARKS

2025-10-09

very easy

very easy, no phone calls

Karen Day

2025-10-08

Easy peasy process

Easy peasy process

Malik Clay

2025-10-08

Simple and easy

Simple and easy

Inez LeSueur

2025-10-08

Simple app to navigate through.

Simple app to navigate through.

Daniel Minto

2025-10-08

Easy and quick to get Coverage.

Easy and quick to get Coverage.

Antonio De La Torre

2025-10-08

The best experience

I highly recommend Ethos for anyone wanting a stream-lined and professional guidance throughout the process. Kim Howard guided me through the process and provided me through advice to help me make a decision that fit my specific needs. Thank you so much, Kim!!!

Elizabeth Henderson

2025-10-08

Quick and Easy

quick and easy

Arias

2025-10-08

Awesome company to deal with with a…

Awesome company to deal with with a pretty simple application process I would recommend to anyone looking for insurance

Nicole Szegda

2025-10-08

Brian was great and made everything…

Brian was great and made everything very easy

Gavin

2025-10-08

Easy process and a weight has been…

Easy process and a weight has been lifted off my shoulders to protect my wife and kids

Cyrus Shelton

2025-10-08

Great service!!!

Great service!!!

Josefina Garcia

2025-10-08

Even the app explained everything all…

Even the app explained everything all the questions I had were answered great experience

Claudia

2025-10-08

I now feel better knowing my kids will…

I now feel better knowing my kids will have something to fall back on in case. I could now feel comfortable living with the idea that my family will be taken care of.

Steven Skawski

2025-10-08

Painless to set up!

Ethos is head and shoulders above the rest in how easy it is to get a policy activated!

Michelle Pacheco

2025-10-08

Very easy and thorough application

Very easy and thorough application. I’m a single mom and I feel at ease now for my children’s future.

Yolanda

2025-10-08

Quick, easy, efficient

This was the easiest insurance application process I’ve ever experienced! It literally took 10 minutes and I was provided with a quote. Bravo!

Terri Thomas

2025-10-08

Have been wanting to take care of this…

Have been wanting to take care of this for a while but kept putting it off because I just didn’t want the hassle. I saw Ethos on a commercial and was only going to check it out, it was so easy I was done and signed up in minutes. I will be telling everyone I know

Des

2025-10-08

Easy and time efficient.

Easy and time efficient.

Garrett Allen

2025-10-08

Seamless application process!

Seamless application process!

gary alexander

2025-10-07

My agent was polite

My agent was polite, very professional, courteous, and totally helpful

CG

2025-10-07

Scott was great

Scott was great. Wasn’t pushy. Very down to earth. He made it simple and easy.

Raphael Mason

2025-10-07

A Seamless, Supportive, & Professional Life Insurance Experience

I am so grateful for the outstanding service I received from Kayla (my daughter and agent). I recently purchased a $50,000 whole life policy through TrueStage (in partnership with Ethos), and I couldn’t be happier with the process. Kayla explained everything to me in clear, simple terms and made sure all my questions were answered. The application was quick and easy—even with my health history, I was able to get approved right away. My policy costs $258.00 a month, and knowing I have this coverage is a real comfort. One of the best parts is the extra benefits I get with Ethos—like access to a free power of attorney, will, and estate planning tools. Even though I don’t have a lot of assets, it’s a huge comfort to know my wishes will be honored and my family will be protected. If you’re looking for someone who truly cares about your well-being and makes insurance simple, I highly recommend Kayla. She is knowledgeable, patient, and made everything stress-free from start to finish. Five stars!

Henry Todd Sawyer

2025-10-07

Great Experience

Great Experience! It was very easy and fast! Also, reasonable pricing

Michael Erickson

2025-10-07

Easy application.

Easy application process brings peace of mind.

Rhonda st Julian Walker

2025-10-07

I’m a loving wife and mother

Excellent very happy with the services I’ve received

Joseph Lombari

2025-10-07

Great

Great experience

Zach

2025-10-07

Brian was excellent in helping through…

Brian was excellent in helping through the whole process!

Kristi J Moses

2025-10-07

Outstanding customer service

Outstanding customer service

Kortney Denton

2025-10-07

Very easy process- loved seeing the…

Very easy process- loved seeing the differences in price and how that would effect monthly rate

Kim & Regi Stone

2025-10-07

Grateful for this company

Easy to sign up.

Marcus Vanneman

2025-10-07

Easy process

Easy process!

Mary

2025-10-07

I'm impressed.

The application process was so pain free. I was impressed.

Patricia

2025-10-06

Late-life Exploration of Additional Insurance Coverage

The service I received from Laura Lopez was most excellent — beyond compare! The information she shared was so reassuring and the technical help and support she gave was wonderful. I was made to feel secure throughout this process. Also, I commend your company for the way you advertise your products. I was just thinking of investigating the possibility of purchasing whole life insurance and was pleasantly surprised to encounter your advertisements on television. They were right on target!

Levi Shelley

2025-10-06

The best life insurance policy money…

The best life insurance policy money can buy

Arlene Adcock

2025-10-06

Fast and easy application

Fast and easy application, customer service quick response Michael is very nice.

Michael Stringer

2025-10-06

Excellent Service

I don’t wanna write anything

Michael Smith

2025-10-06

Surprisingly affordable

Surprisingly affordable

William Pavloff

2025-10-06

Easy process

Easy process and good pricing

Brady Nielsen

2025-10-06

Easy

Very simple process

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