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If you happen to’re out there for all times insurance coverage Ethos provides guaranteed-issue and time period life insurance coverage insurance policies with no medical exams required.

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Life insurance coverage is a sort of safety for your family members. If you happen to die, it compensates them on your misplaced earnings and incomes potential and might help them cowl funeral prices, money owed and medical payments you allow behind, in addition to future dwelling bills.

Not all life insurance coverage insurance policies are created equal, although — nor are all life insurance coverage suppliers — so it helps to check a number of firms earlier than deciding the place to purchase your coverage.

One potential choice is Ethos. Use this Ethos life insurance coverage overview to find out if the corporate is best for you.  Or reply a number of quick inquiries to see if you happen to qualify for same-day protection. You may get a free estimate from Ethos in seconds. 

Ethos life insurance coverage overview

Ethos is a reasonably new life insurance coverage company (based in 2016) that payments itself because the “no problem life insurance coverage firm.” It provides an all-online software with no medical exams or blood checks required. Insurance policies are bought via Ethos after which issued by the corporate’s varied insurance coverage companions, together with Authorized & Basic America, Ameritas Life Insurance coverage Corp., Senior Life Insurance coverage Firm and TruStage.

Prospects can use Ethos to safe two several types of life insurance coverage: 

  1. Assured subject: Assured-issue complete life insurance coverage insurance policies are for patrons between 66 and 85. These are routinely authorised and require no medical examination.
  2. Time period life insurance coverage: Time period life insurance policies can be found for these between 20 and 65 and are available in 10-, 15-, 20-, and 30-year phrases. Protection quantities between $20,000 and $2 million can be found. 

Ethos life insurance coverage value

We in contrast Ethos life insurance coverage costs to different common life insurance coverage firms. Get an concept of how its pricing measures up beneath:




   $50 to $92/month





State Farm


All above quotes have been generated for a $1 million, a 20-year coverage overlaying a 40-year-old Atlanta-based girl in usually good well being. The figures quoted are an approximation and will change based mostly on private traits, demographics and different components.

Undecided what an Ethos life insurance coverage coverage would value you? You may get a free estimate from Ethos in seconds. 

Execs and cons of Ethos life insurance coverage

Earlier than selecting Ethos or another life insurance coverage supplier, be certain that to think about the professionals and cons of the corporate. With Ethos, these embrace:

Ethos life insurance coverage professionals

  • All on-line course of: You’ll be able to full the whole software course of on-line from the consolation of your personal house. 
  • No medical exams: You will not have to see a physician, undergo a blood check or anticipate an appointment for protection.
  • Quick protection: Many insurance policies are issued the identical day you apply. 

Ethos life insurance coverage cons

  • Restricted coverage sorts: Solely two kinds of life insurance coverage sorts are provided: Assured-issue and time period. If you’d like one other sort, like common life insurance coverage or variable life insurance coverage, you will have to look elsewhere. 
  • Third-party suppliers: Ethos would not really underwrite the insurance policies it points. It merely facilitates coverage gross sales for different suppliers.
  • Most $2 million in protection: The utmost life insurance coverage quantity you may get is $2 million. Contemplating some consultants advocate getting protection that equals 10 instances your wage, this will not be sufficient for some clients.

Distinctive Ethos life insurance coverage advantages

The largest benefit of Ethos life insurance coverage is that it requires no medical exams or blood checks, and you may apply for protection all on-line. In some instances, clients can get protection the identical day they apply. 

The corporate additionally has excessive buyer critiques and scores, boasting 4.7/5 stars on Trustpilot, 4.82/5 stars with the Higher Enterprise Bureau, and 4.7/5 stars on Google as of January 2023. It additionally has a 30-day money-back assure if you happen to’re not happy.

Lastly, Ethos additionally provides skilled steering all through the method. When making use of on your coverage, you possibly can discuss to a licensed insurance coverage agent at any time for recommendation. You may get a free estimate from Ethos in seconds. 

Examine with different choices

Ethos life insurance coverage has its perks, together with a streamlined course of, nice buyer critiques and no required medical exams, however you should definitely get quotes from a number of further firms earlier than selecting the place to purchase your coverage. Each firm provides completely different plans, protection quantities, time period lengths and premiums, so evaluating a number of choices will assist make sure you get the very best charge. 

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