Customer approval: 92%

  • Recognized for their fast and easy processes
  • Application process takes 10 minutes
  • No Unnecessary lab test or medical exams
  • Policies are issued by Assurity
  • Customized life insurance products without commissions
  • TrustPilot Rated Insurance Company (9.2/10)


Our Partner


Ethos Life


Ethos Life is a customer-focused company that leverages technology and service to provide customized, low cost life insurance to consumers of all ages. The company has committed itself to making every aspect of the process simple: they believe that doing so is the best way to put their customers first and earn their trust. Ethos has a team of dedicated, salaried professionals who treat their life insurance customers like members of their own family. The company provides a wide range of competitively priced policies to consumers.

About the Company

Ethos is a customer centric organization that uses modern, proprietary data analytics to streamline the process of buying low cost life insurance. With policy terms ranging from 10 to 30 years, customers are offered a wide range of policies without the hassles typically associated with the purchase of life insurance. Ethos has developed a reputation for not treating customers as a “risk.” Instead, each customer is treated as an individual family member who deserves the lowest possible rates for life insurance that protects their loved ones.

By avoiding unnecessary paperwork and medical exams, Ethos minimizes costs and passes those savings on to their customers. There are never any hidden fees, and policy quotes can be obtained in minutes. This makes their application experience fast and simple and allows clients to find the insurance they need and then move on to their other priorities.

While Ethos is a relatively young company, they have built an organization of highly trained professionals dedicated to serving the needs of their customers. They have eliminated commission-paid salespeople, choosing instead to take advantage of technology to provide customers with a seamless, low cost and efficient way to purchase life insurance. Clients get the best price without having to deal with high-pressure sales techniques.

Pros/Cons of buying insurance from Ethos

The process of buying life insurance can be confusing and is often very time consuming. Lots of paperwork, lab tests and medical exams can overwhelm people. Ethos specializes in providing a simple, fast and easy to understand process.

  • Pros
  • Low cost term life insurance with quotes available in minutes, allowing clients to get the insurance they need and then get back to the things they enjoy doing
  • Their simple, paperless process is designed to minimize time and costs
  • Their policies are backed by Assurity Life, a financially strong company with more than 125 years of experience
  • They have no commission-paid salespeople, which means lower costs for customers and no high pressure sales
  • Several insurance riders are available so clients can customize their policies to their exact needs
  • Ethos’ easy-to-navigate website makes the application process very easy. The whole process is intuitive, and perfect for the modern, online consumer
  • Cons
  • Insurance policies are currently unavailable in New York state
  • Medical exams may be required for some customers
  • Only term insurance is available; other forms of insurance are not offered
  • Their policies are only underwritten by one provider – Assurity Life; shopping for alternative choices is unavailable
  • Online support is limited and live chat is not provided
Policy Options and Pricing

When considering life insurance policies, Ethos offers consumers a wide variety of options. Customers are provided with the assurance that their premiums will never go up and that their claims will be paid promptly to their designated beneficiaries.

Term Life Insurance Policies

Available to customers ages 18 – 75

Coverage available for 10 – 30 years

Sample Pricing:

Male60NO$110,00010yrs $59
Female25NO$273,00010yrs $79
Female40NO$295,00020yrs $29

source: Ethos website at time of publishing

Application Process and Experience
Ethos has designed their insurance application process to provide consumers with a smooth, convenient experience. Customers begin by providing basic information, including their name, address and designated beneficiary. After continuing with a summary of their lifestyle and health condition, customers are quickly on their way to selecting their desired amount of insurance coverage and the length of time that they want their policy to be in effect. Ethos then quickly provides a price quote and commitment for a life insurance policy that meets their requirements.

The Ethos experience is fast, simple and completely confidential. There are no forms to print out and mail, and in many cases lab tests and medical exams are not required. Everything is secure and help is available for customers requiring any assistance.

Ethos is a relatively new company, so there aren’t a lot of reviews available, but the ones that exist all speak to a company that offers life insurance policies backed by the financial strength and resources of Assurity Life Insurance Company. With roots dating back to 1890, Assurity has more than $2 billion in assets and a financial surplus account in 2018 of $337 million. A.M. Best has awarded the company a rating of A- (excellent), and the organization has an A+ rating from the Better Business Bureau, one of the most trusted organizations in the country.

Ethos has also been recognized as one of The 10 Best Life Insurance Companies of 2019 by The firm has received an “excellent” rating for its outstanding customer service, positive reputation and policy coverage.

Final Thoughts

The process of buying life insurance can be intimidating and confusing for consumers.  All too often, excessive documentation, medical tests and high pressure salespeople create unnecessary stress and costs for a person looking to protect the interests of their loved ones.  Ethos Life was created to eliminate these and other challenges from the process of obtaining high quality, affordable life insurance, and the company’s approach has a lot of appeal.

Customers select their desired level of coverage and term of policy, and Ethos takes that information streamlines the process, providing a price quote for an insurance policy within minutes. 

From a simple, online application to fast processing and streamlined benefit claims, Ethos puts their customers first and provides them with the ability to enjoy life to the fullest, all backed by the security and protection of one of the country’s oldest, most reliable life insurance companies.