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Ethos Life Insurance Review


ConsumersAdvocate.org Rating: 5 / 5 (Excellent)
8 Customer Comments & Reviews - see all comments
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Founded in 2016, Ethos offers term and guaranteed whole life insurance policies. The company provides a streamlined online application and purchase experience that makes finding a policy fast and easy. Ethos life insurance policies are underwritten by such established companies as Legal & General America, Ameritas Life Insurance Corp., and TruStage. Ethos is headquartered in San Francisco, California.
 
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How is Ethos rated?

Breakdown

5.0/5
Company Stability
5.0/5
Reputation
5.0/5
Policies & Coverage

Overall Rating: 5 / 5 (Excellent)

With a focus on making life insurance hassle-free, Ethos provides flexible term and guaranteed whole life insurance policies via a 100% online experience. Term policies are available for applicants aged 20 to 65. Whole life policies are offered to those aged 65 to 85 to pick up where term life policies end. Ethos is a great choice for people who know what they're looking for and don't want to spend a great deal of time getting it. For policies up to $1 million, no medical exam is required. Just answer a few medical questions online to apply. Some applicants are approved for a policy instantly but Ethos promises a quick, simple experience for all.

Although Ethos is relatively new, they have excellent customer ratings and are backed by industry giants like Legal & General America, Ameritas Life Insurance Corp., and TruStage®. Ethos earns an A+ rating from the Better Business Bureau, and "excellent" rating from TrustPilot, and 4.7/5 stars on Google.

Financial Strength

Key Details

Underwriter
Legal & General America, Ameritas Life Insurance Corp., and TruStage®
Marketshare
0.09%
Premiums Written 2019
$116,849,881
AM Best Financial Rating
A+

Company Stability - 5 / 5

Ethos is a strong company itself, valued at $2 billion. In addition, the company's policies are underwritten by companies that earn high grades for financial stability. Its term life policies, for example, are underwritten by Legal & General America, which earns an A+ rating from A.M. Best. Ethos earns customers' confidence by only partnering with A-rated or higher underwriters.
*The above information reflects the market share, premiums, and financial strength of the issuer of the Ethos life insurance policies: Legal & General America, Ameritas Life Insurance Corp., and TruStage®.

Reputation & Customer Experience

Company Reputation

Ethos earns an A+ rating from the Better Business Bureau, a 4.8/5 rating from TrustPilot, and 4.7 out of 5 stars on Google.

National Association of Insurance Commissioners

NAIC Complaint Ratio 2017
0.13
NAIC Total Complaints 2017
1
*The NAIC complaint ratio (in this case 0.13) is a ratio of the number of complaints a company received for the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Trust Pilot Rating
4.8 out of 5
BBB Rating
A+
Date Collected
2021-05-19

Reputation - 5 / 5

Ethos enjoys an excellent reputation. The company earns an A+ rating from the Better Business Bureau and an "excellent" 4.8/5 rating from TrustPilot. Google awards the company 4.7 out of 5 stars. Many consumer reviewers remark how quick and easy the company makes purchasing a policy.

Ethos offers a 30-day money-back guarantee and no fee cancelation. While you can manage your entire policy online, the company works with non-commissioned agents who provide unbiased assistance when you need it.

Ethos Policies

Ethos offers customers the following life insurance policies: Term, Whole Life.

Term Life Insurance

Minimum Age
20
Maximum Age
65
Minimum Death Benefit
$50,000
Maximum Death Benefit
$2,000,000
Available Terms
10 year
15 year
20 year
30 year

Key Term Policy Features

  • Guaranteed Level Premiums
  • Guaranteed Renewability

Key Whole Life Policy Features

  • Guaranteed Level Premiums

Policies & Coverage - 5 / 5

Ethos only offers term and guaranteed whole life insurance policies. Some companies may offer choices, but the company still gives customers many options for coverage. Term life policies offer coverage for 10, 15, 20, or 30 years with death benefits ranging from $50,000 to $2 million. Whole life policies, which are available for a limited age group (65 to 85), provide policy benefit options of $10K, $15K, $20K, and $25K.

Ethos’ policies can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses — anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout they receive.

Flexibility and Available Riders

Available Term Life Riders

  • Accidental Death Benefit Rider
  • Critical Illness Rider

Flexibility & Available Riders - 5 / 5

Available riders vary depending on the policy you qualify for, but you may be able to elect an Accidental Death Benefit or Critical Illness rider for your Ethos policy.

Additional Company Information

Homepage URL
https://www.ethoslife.com
Headquarters Address
460 Bryant St 3rd Floor, San Francisco, CA, 94107
Year Founded
2016

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8 Customer Comments & Reviews

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S
sendclaims
7/20/2023
Ethos does not pay their agents. They owe me 3 months of premiums. They blame it on SVA bank in silicon valley that went broke but was bailed out by our government. So they switched to Chase bank and bounced 3 checks on me so far and still no pay.. "AGENTS BEWARE" 00000 stars

Nancy C
7/2/2021
I filled out what was advertised as online-only. It appears to be false because after giving all my personal statistics I was asked for my telephone number. If you are going to get an online quote you shouldn’t have to give a number. It always means and immediate call. I refuse to fall for it.

Josh G
2/11/2019
Great experience. It was simple, easy, and quick. No medical exam. I had my policy in 1 week!

Raygon F
11/12/2018
I'm a working professional, so efficiency is key for any product or service that I purchase. Recently, I reviewed a press release about ETHOS, so I became curious. The online sign up process was quick, and their follow up was attentive but not overbearing. The entire process took roughly a week and a half to complete. I'm pleased with my rate, as well as, the value of my coverage. ETHOS is the Life Insurance brand of the future and I'm glad I signed up.

T
Thomas
11/9/2018
Bait and switch company. Final quote after "underwriting" was $100 more per month than website quote. Terrible customer service. I'd look elsewhere.

Ronnie B
10/30/2018
Absolutely great experience from start to finish. Very simple and easy to follow.

D
Doug R
10/9/2018
Excellent and efficient service!Timely approval and online communication.Review by Doug Rittenger. 10/9/2018.

L
Leslie J
5/1/2018
People at Ethos were Easy to work with! Especially liked the dedicated Josh Clark.

Top Rated
Our Partner
  • No medical exams for policies under $2 Million. Just answer a few health questions online
  • A policy of up to $2 million in coverage starts around $32/month
  • Get a quote in seconds with no obligation; apply in minutes (most instantly approved)
  • No need to talk to an agent unless you want to
  • Rated “Excellent" by customers on Trustpilot
  • Limited-time offer for new policyholders - access to estate planning tools at no extra cost ($449 value)
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