Ethos Review 2024: Budget-Friendly Life Insurance With Quick Approval

Amanda Hester

Ethos offers a convenient, simple process for those looking for life insurance coverage. Their three-step process allows users to apply for coverage online within minutes, providing you with coverage options depending on your age. Ethos is a trusted insurance administrator backed by top insurance providers.

Overall rating


Summary: Ethos offers both whole and term life insurance plans for applicants that are budget-friendly and have a quick turnaround for approval.


ethos insurance logo


Coverage Up To

Not Required

Medical Exam



Policy Application


Fees, Coverage & Policies




Claim Support


Customer Service


Sae & Secure


  • Automatic approval for those 66-85 years old for whole life coverage
  • Wide range of term options
  • Completely online process


  • Term life coverage is unavailable to individuals over 65
  • Low whole life coverage

Best For

  • Individuals with no serious medical conditions
  • Those looking for a quick and easy online application process
  • Budget-friendly policies


HQ460 Bryant Street, Floor 3, San Francisco CA 94107
PolicyTerm & Whole life policies
Coverage$20,000-$2,000,000 for Term Life; $1,000-$30,000 for Whole Life
Term Length10, 15, 20, and 30 years
Medical ExamNot required
Issue Age20-65 for Term Life; 66-85 for Whole Life
Restricted StatesNot available in NY

In depth review on Ethos

Ethos makes life insurance coverage easy: their simple and intuitive application process takes just a few minutes, and does not require a medical exam (just answer a few health questions). Ethos will approve applicants within minutes, providing them with various affordable coverage options. Those between the ages of 65-85 are automatically eligible for approval for whole life coverage.

Ethos offers coverage to individuals between the ages of 20-85 for different life insurance plans. Those between 20-65 years old are eligible for term life insurance, with a high range of coverage amounts and term options. One an individual has reached the end of their policy term and exceeds 65 years old, they are eligible to renew their coverage yearly with an increase in price each year. For individuals between 65-85 years, limited whole life insurance policies are available.

Backed by trusted partners and insurance providers, Ethos is a reputable third-party administrator that simplifies the life insurance process.

Ethos is best for

  • Individuals with no serious medical conditions: One of Ethos’ strengths is the simplicity of the insurance application process. No medical exam is required for applicants unless they are identified to have a serious medical condition while filling out the online application.
  • Those looking for a quick & easy application process: Ethos reviews policy applications in minutes and gets back to the applicant with options immediately.
  • Budget-friendly policies: Ethos will work with you to set a policy that falls within your budget range. If you select a monthly premium number you’re comfortable with, Ethos will generate a coverage plan that stays within your chosen amount.

Ethos benefits

  • Automatic approval for 66-85 years old: For those ages 65-85 applying for whole life insurance coverage, they are automatically approved for coverage under whole life policies.
  • Wide range of term options: Those who are looking for term life insurance coverage have a wide range of options, with 10, 15, 20, and 30 year term lengths and coverage between $20,000 and $2,000,000.
  • Completely online process: Applicants do not need to speak with an agent whatsoever throughout the application process.

Ethos drawbacks

  • Term life insurance only available up to 65: New applicants interested in term life insurance coverage must be between the ages of 20 and 65 years old.
  • Low whole life coverage: Ethos whole life coverage is limited at $30,000 maximum.

Factors contributing to the overall rating

Policy application


Ethos makes it easy to apply for life insurance coverage using their convenient online application. Here, you are able to insert personal information related to your life and health habits, with no medical exam required unless you are identified to have a serious medical condition. From here, you will hear back from Ethos within minutes regarding your approval and the available plans based on the information you’ve submitted. What’s more, you don’t need to work with an agent at any time throughout the application. However, if you would like to consult with an agent, they are available.

Fees, coverage and policies


Ethos coverage options are affordable, but slightly higher than the average life insurance premium cost. Monthly insurance premium costs with Ethos starts at $1 a day, and are determined based on your gender, age, BMI, and other general lifestyle activities.

Ethos offers both term life insurance and whole life insurance to policyholders depending on their age. Those ages 20-65 years old are available for term life insurance that ranges from 10, 15, 20 and 30 year-long terms, for coverage between $20,000 and $2,000,000. Once the policyholder has passed 65 years old, they are eligible to renew their policy on a yearly basis with a slight increase in price each year up to age 95.

Those who apply for whole life coverage must be between ages 65-85 years old – younger individuals are not eligible for whole life insurance coverage with Ethos, which can be inconvenient. The whole life insurance policies are relatively limited, with coverage ranging from $1,000 to $30,000.



Ethos has the following riders available:

  • Accelerated death benefit rider
  • Critical illness rider
  • Child protection rider
  • Waiver of premium rider
  • Endowment benefit rider

Claim support


When an insured person dies, it’s the responsibility of the beneficiary named on the policy to contact the insurance company to file a death claim. The insurance company will help the beneficiary with the claim process.

Beneficiaries may be able to choose between receiving the death benefit over time instead of as a lump sum payment. Refer to your specific insurance policy for details regarding all possible settlement options available to your beneficiaries at the time of claim processing.

Customer service


Ethos has great customer service availability, with phone lines open during the day for immediate help with the application process or with your policy in general. If you are not available to call during the day, you can also email Ethos to get support at any time.

While you are filling out your application, a representative from Ethos will reach out to you via text message to inquire whether you need help with the process. Once you’ve moved forward with a policy under Ethos, you will have access to representatives as needed as well as an online portal where you can check your insurance details and request any changes as needed.

Safe and secure


Ethos is a very safe and secure company, with insurance policies backed by trusted providers. Their policy issuers are backed by Legal & General, America and Munich Re which both have A+ ratings from A.M. best, and many positive ratings from current customers.

Is Ethos right for you?

Ethos is a great choice for individuals looking for term or whole life insurance that do not have serious medical conditions. It’s especially good for individuals between ages 20 and 65, where you have lots of term length and coverage options. It’s simple to apply and qualify for coverage under Ethos, and they are a trustworthy third-party provider that’s a worthwhile investment.