Online Life Insurance Companies

Ethos life insurance review

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About Ethos

  • Company address: 5001 Plaza on the Lake, Suite 305, Austin, TX 78746
  • Company website: https://www.ethoslife.com/
  • Company email: support@ethoslife.com
  • Company phone: 415-915-0665

Company background: The company was started in 2016 by Stanford business school grads Peter Colis and Lingke Wang. The inspiration for the company came from an early experience Wang had with life insurance – he was upsold a policy he discovered he couldn’t afford and didn’t fit his needs. The company’s goal is to make insurance affordable, accessible and transparent.

Interesting tidbit: The company’s agents are non-commissioned, which means they’re not compensated for selling or upselling policies.

More details about Ethos life insurance

Policies offered:

  • Life products offered: Term and whole life

Other coverage:

  • Ethos offers riders on some policies, but you need to contact the company for more information.

Rates:

  • Policies start at $7 a month

Insurance partners:

  • Ethos offers policies issued by Legal & General America, and reinsured by Munich Re.

Other details:

  • Ages and coverage limits: Term life coverage up to $2 million is available for anyone up to age 65. For anyone over age 50, the maximum term life coverage is $500,000. Whole life insurance coverage is available for up to $30,000.
  • Waiting period: There is no waiting period.
  • Medical requirements: Ethos offers life insurance with no medical exams and no blood tests.
  • Application time: The company says many people applying for a policy get same-day coverage – with some qualifying in only 10 minutes.

States where Ethos is available

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States where Ethos is available
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