Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 9, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 460 Bryant Street, Floor 3
City: San Francisco
State: CA
ZIP Code: 94107
Phone Number: (415) 322-2037
Year Founded: 1997
Company Rating 0 (0 reviews)

The Facts of Life

  • Ethos offers life insurance through several partners, including Banner, Ameritas, Assurity, and TruStage.
  • Ethos Life Insurance company offers its services fully online.
  • Most people will not need a medical exam to get coverage.

Life can come at you fast. Be prepared for what it throws at you. Buying life insurance can provide you the relief you and your family need after accidents, illnesses, disabilities, and death.

So, if you want to take charge of your unknowable future, begin with buying a life insurance policy. Ethos life insurance offers a variety of policies to fulfill your financial needs if or when they arise.

If you want to learn more details about life insurance in general, check out our Life Insurance 101 article.

Ethos is one of many companies that can provide relief when you need it most. Enter your ZIP code in the box above and see what insurance rates are offered by companies in your area.

Now that you understand the importance of buying life insurance, let’s take a closer look at what Ethos can provide their customers.

Ethos at a Glance

Ethos offers insurance through several superior trusted insurance companies: Banner Life – Legal & General America, Ameritas Life Insurance Corp., Assurity, and TruStage.

  • Coverage amounts from $50,000 to $1,500,000.
  • 10-, 15-, 20-, and 30-year level term life insurance plans.
  • 100 percent online.
  • Most people will not have to take a medical exam.

A fairly new company, Ethos brings in approximately $2.36 million in sales.

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What types of life insurance does the company offer?

The are multiple types of life insurance policies you can purchase. The most common are term, whole, and universal life insurance policies. Let’s see how they stack up against each other.

Compare Term vs. Whole vs. Universal Life Insurance Policies
DetailsTerm lifeWhole lifeUniversal life
Policy durationBuyer's ChoicePermanentPermanent
Cash value interest calculationNo cash accountFixed interest rate, non-guaranteed dividendsBond interest rates
Flexible premiumsNoNoYes
Cash account value can declineN/ANoYes, if rates are low and fees high
Flexible death benefitsNoNoYes
Out of pocket costLeastModerateMost (Depending on Coverage Choices)
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Most likely you are going to choose a term life insurance policy because it covers what you’ll need. Also, it’s the simplest policy to manage and understand.

How does Ethos life insurance work?

Like all other life insurance companies, Ethos provides different policy options that feature a variety of affordable premiums based on age and lifestyle. For example, if you are a non-smoker, your rates will be lower and your coverage will extend longer than people who smoke, though no-medical-exam life insurance for smokers is available.

After you choose the best policy to meet your dependents’ future financial needs, you can rest assured with the knowledge that after you pass away, all will be well taken care of.

Ethos Term Life Insurance Coverage Options

AgeLength of Policy
18-55 (non-smoker)Up to 30 years
18-50 (smoker)Up to 30 years
56-65 (non-smoker)Up to 20 years
51-65 (smoker)Up to 20 years
66-70Up to 15 years
71-75Up to 10 years
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Because term life insurance is the most common choice for individuals, it may be a good idea to get a better understanding of their average rates based on age.

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value
Age and Gender$250,000 Policy Average Monthly Life Insurance Rates$500,000 Policy Average Monthly Life Insurance Rates$750,000 Policy Average Monthly Life Insurance Rates$1 Million Policy Average Monthly Life Insurance Rates$2 Million Policy Average Monthly Life Insurance Rates
20-Year-Old Male$18$29$40$47$86
20-Year-Old Female$15$22$30$35$64
25-Year-Old Male$17$28$39$46$86
25-Year-Old Female$15$22$30$35$65
30-Year-Old Male$18$29$40$47$89
30-Year-Old Female$15$23$31$37$69
35-Year-Old Male$19$31$44$52$99
35-Year-Old Female$17$26$36$43$79
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Whether you want term, whole, or universal life insurance, you’ll be doing the right thing by taking the well-being of your dependents into consideration. Ethos offers affordable life insurance, though the costs, inexpensive as they may be, vary based on a variety of factors.

How much does Ethos insurance cost?

This is always a tricky question to answer because there are many factors at play when buying life insurance. These factors include your age, lifestyle, and family health history.

But whatever the case, it’s always a good idea to purchase life insurance as soon as possible. The younger you are, the more you’ll save and the more coverage you’ll receive.

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Pros and Cons of Ethos Life Insurance

Every insurance company has its share of pros and cons. Of course, you want the pros to greatly outweigh the cons. Let’s see how Ethos life insurance stacks up.

Pros

  • 100 percent online access any time of day or night.
  • High-value Ethos guaranteed term life insurance policies issued by Banner Life – Legal & General America, Ameritas Life Insurance Corp., and TruStage.
  • Affordable guaranteed whole life insurance issued by AAA Life.
  • An easy-to-use online life insurance application with rapid underwriting decisions. It just takes a few minutes to complete the application. All you need to do is provide some very basic information about yourself and your beneficiaries, and then you’ll be well on your way.
  • No medical exam is required for most people. A medical exam may be required for some applicants including those applying for over $1,000,000 in coverage or who have certain health issues.
  • Additional riders are available to purchase with your policy. Riders help you customize your term life insurance.

Cons

  • Few term life insurance options. Ethos is only contracted with two life insurance companies – Banner- Legal General America & Assurity Life to provide term life insurance.
  • Issue age restrictions that may seem a bit strict. For example, you must be age 50 or younger to purchase a 30-year term. Also, you must be age 60 or younger to purchase a 20-year term. And lastly, you must be age 65 or younger to purchase a 10-year term.
  • All term life sold through Ethos will expire by the time you are 80 years old.
  • No option to convert the term life insurance policies into permanent life insurance.
  • Might find out after you apply that you need to take a medical exam when it was advertised you did not.

This of course depends on health history or the amount of coverage you purchase.

Ratings and Reviews

While Ethos is a fairly new startup company – 2017 to be exact – they already have been receiving a lot of positive reviews from trusted sources. Currently, they have an “A+” rating from the Better Business Bureau and a .16 NAIC Complaint Ratio, which indicates that they have received a “below average” amount of complaints for a company of its size.

Also, keep in mind that the underwriting is handled by other trusted insurance companies. For example, their term life insurance policies are underwritten by Assurity, which has an over 100-year history of serving quality insurance to the public.

Does Ethos offer riders?

What riders does the company offer?

  • Critical Illness Rider: As an added premium, this allows you to collect part of the death benefit while you’re still alive if you receive a terminal illness diagnosis.
  • Child Term Rider: You can add children to your life insurance policy by paying a flat fee for coverage until your children reach 18 years old.
  • Waiver of Premium: This rider is built into all the policies. It lets you maintain coverage while not paying premiums owed on a policy if you are injured or disabled before you turn 65.
  • Endowment Benefit Rider: AKA Return of Premium rider, this policy add-on comes at an additional cost. It allows for the return of all the premiums paid if you outlive the term of the insurance policy.

Make sure to ask about these additional riders.

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Plan for Your Future Today

Don’t make the mistake of not preparing for your future, as well as, the future of those who depend upon you. Before you buy Ethos life insurance or a policy from any life insurance company, fill out the box below to get life insurance rates near you.

References:

  1. https://www.dnb.com/business-directory/company-profiles.ethos_specialty_insurance_services_llc.13c28968db1c2ecb7c8d2cd5eed3d23c.html