Ethos Life Insurance Review For 2022 (Good Bad & Ugly)

The 60-Second Summary

GetSure Rating
While many companies say it, Ethos seems to truly be all about the customer. Their messaging and customer education are excellent, and their actual term life product has several customer-friendly features, including a 100% online, 10-minute application, wide eligibility age range (20-85), and NO medical exam for coverage under $1 million.

Ethos Pros

Ethos Cons

Ethos Life Insurance Reviews (Third-Party)

Full Review Below.

Ethos Life Insurance: Need-To-Know's

Launched in 2016, Ethos is one of several innovative companies bringing life insurance online.

Like its competitors Bestow and Fabric, Ethos has a fully online application that takes just 10-15 minutes.  Ethos says that most people who qualify for coverage won’t need to take a medical exam.

Ethos offers both term life insurance and whole life insurance in coverage amounts ranging from $50,000 to $1.5 million.

Company 101
TypeLife Insurance Agency
Phone(415) 322-2037
Address460 Bryant St
San Francisco, CA 94107
BBB RatingA+
A.M. Best RatingA+

Ethos is based in downtown San Francisco, CA and has an A+ rating from the Better Business Bureau.  Their customer service team can be reached by email at and by phone at (415) 322-2037.

Ethos Has Digitized The Life Insurance Process...

Ethos is a life insurance broker.  They handle the customer-facing process and have built the online platform that customers use to apply for the policy.

After you apply, Ethos analyzes your information against its insurance products in real-time and matches you with the best policy and price available.

And since the entire process is online, you never need to speak with an agent. 

... And Chosen Reputable Insurance Carrier Partners

Once approved, one of Ethos’ insurance carrier partners will issue the actual policy.  These partners are some of the best life insurance carriers in the game, including:

  • Legal & General America (a.ka. Banner Life), which was founded in 1941 and has an A+ (Superior) financial stability rating from A.M. Best
  • AAA Life Insurance Company, which was founded in 1969 and has an A (Excellent) financial stability rating from A.M. Best

Ethos Is Confident In Its Product

Here’s one of the best features of an Ethos policy:

If you decide you don’t want your life insurance coverage within the first 30 days, for any reason, Ethos will refund your payment in full and cancel your policy.

On top of that, you can cancel your policy at any time after that with no cancellation fees.

Ethos Life Insurance Policies

Term Life Insurance

Ethos’ main product is term life insurance.  To apply, you must be between 20 and 65 years old and a U.S. resident.

Term life policies from Ethos can have 4 term lengths (10, 15, 20, and 30-year terms) and coverage amounts range from $100,000 to $1.5 million.

Finally, Ethos’ term life insurance policies have level premiums, which mean your premiums never increase for the entire term of your policy, no matter what happens to your health or circumstances.

Ethos - Term Life Insurance Snapshot

Whole Life Insurance

Ethos Whole Life Insurance

Ethos also offers permanent life insurance, in the form of a guaranteed issue product geared at seniors (ages 65-85).

While Ethos does not label it as such, this policy is structured as a “final expense” insurance policy.  The coverage amount can be: $10K, $15K, $20K, or $25K.

This policy is issued by AAA Life Insurance and includes an accidental death benefit.  While the policy has a $60 fee, this is waived if you’re a Triple A member.

Ethos Life Insurance Application

The insurance industry has been relatively slow to move digital.

Ethos Technologies, as it was known at founding, was among the first to bring the life insurance purchase process online.

And this is still one of its strongest selling points.

Ethos Quote Form

The application starts with the above quote form

Ethos Life Pros & Cons

Ethos Life Insurance Pros

Ethos Life Insurance Cons

Ethos Life FAQs

Before we close, let’s wrap up a few of the most commonly Googled questions about Ethos.

Ethos is a highly reputable and licensed life insurance company that has a A+ rating from the Better Business Bureau.  Ethos has partnered with some of the oldest life insurance carriers in the business to issue their policies (Legal & General America as well as Munich Re, both of whom have an A+ financial stability rating from A.M. Best.    

The majority of customers do not have to take a physical (only those with existing health conditions and those looking for more than $1 million in coverage).  Others simply need to complete a 10-minute, online application, after which Ethos will let you know if you are denied, approved, or whether your approval is contingent on additional information.

According to Crunchbase, Ethos has raised $106.5 million in funding over its four equity funding rounds (Seed through Series C) from a well-respected group of Silicon Valley venture capital firms, namely Sequoia Capital, Goldman Sachs, Google Ventures, and Accel, among others.

Wrapping Up

It’s hard not to like Ethos  — they offer a 100% online experience, more product diversity than competitors like Bestow, Fabric , and Haven Life, and a website with excellent customer education resources.

And with their 30-day, money-back guarantee and no-fee cancellation policy after that, hopefully you don’t need any more reasons to go shopping for life insurance!

And that should do it for this review.  If you have any questions, don’t hesitate to leave a comment below or get in touch with us at

Warm Regards,
The GetSure Team


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