--- title: Ethos Life Insurance Review description: 'Best for Guaranteed Coverage: Ethos offers guaranteed issue whole life policies with no medical exam.' editors: - name: Marcela Otero Costa role: Content Director url: https://money.com/author/marcela-otero-costa/ bio: Marcela is a former Content Director at Money Group. Before serving in this role, she wrote and edited articles about personal finance and consumer advocacy starting in 2017, focusing on guiding people through important financial decisions. She holds an MA in Translation from the University of Puerto Rico. education: University of Puerto Rico at_money_since: 2021 articles: 8 covers: - Insurance - Banking - Business - Career Advice - Credit - Credit Cards - Health and Wellness - Housing - Identity Theft - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Professional Services - Retirement - Shopping - Technology social: - https://www.linkedin.com/in/marcela-filomena-otero-costa-504a837a/ former_staff: true - name: Joan Pabón role: General Finance and Senior Insurance Editor url: https://money.com/author/joan-pabon/ bio: Joan Pabón was a Money editor specializing in insurance. During her time at Money, she led a team of writers in crafting in-depth articles on a broad range of insurance topics, from life and health to property and casualty insurance. Her work has been featured in well-known online publications such as Yahoo Finance, MSN Money, and the Miami Herald. education: University of Puerto Rico at_money_since: 2019 articles: 7 covers: - Insurance - Banking - Business - Credit - Economy and Politics - Health and Wellness - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Pets - Professional Services - Technology social: - https://www.linkedin.com/in/joan-pabon-b03b6082/ former_staff: true published: '2022-02-07T20:25:20.000Z' modified: '2026-08-05T20:31:26.000Z' section: Insurance tags: - life insurance companies - life insurance review word_count: 2030 canonical: https://money.com/ethos-life-insurance-review/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Ethos Life Insurance Review](https://img.money.com/2022/02/Insurance-Life-2022-Review-Ethos.jpg?quality=85&w=1012&h=569&crop=1) * * * ## Best for Guaranteed Coverage However important it is to have a life insurance policy, qualifying for coverage can be at best difficult if you have a history of medical issues or currently have chronic health conditions. Ethos Life Insurance is a company that sells term and guaranteed issue whole life policies. If you’re eligible for a whole life policy of such a type, you cannot be denied a policy, no matter what health conditions you may have. That’s why Ethos is [our choice](https://money.com/best-life-insurance/) for the best guaranteed issue life insurance company. - [Ethos Pros and Cons](#pro/con) - [Ethos Life Insurance Products](#products) - [Credentials](#credentials) - [Cost of Ethos Life Insurance](#cost) - [Accessibility](#accesibility) - [Customer Satisfaction](#satisfaction) - [Ethos Life Insurance FAQ](#faq) - [How We Evaluated Ethos Life Insurance](#evaluated) - [Summary of Money’s Ethos Life Insurance Review](#summary) ## Apply for a Life Insurance Policy in minutes with Corebridge ### Getting a policy means protecting your family for decades. Don't wait - click on your state to get a free quote today! [Get Quotes](https://money.com/pr/rbc32463e4bb?ap_referrer=%2Fethos-life-insurance-review%2F) ## Ethos Life Insurance Pros and Cons **Pros** - Sells guaranteed issue whole-life plans - Offers both simplified issue and fully underwritten policies - Coverage can begin immediately - Policies are sold online, but there's also an option to consult with an agent **Cons** - Whole life policies only available to seniors - Not available to residents of New York - Limited rider information - Payments must be made with debit or credit cards ### Pros explained #### Sells guaranteed issue whole life plans If you’ve struggled to qualify for life insurance in the past because of your health or medical history, a guaranteed issue whole life policy may be an option. Such policies are available without a medical exam, and you cannot be denied one based on your medical history. #### Offers a range of policies [Ethos](https://money.com/pr/ja0b80d3e35f?ap_referrer=https%253A%252F%252Fmoney.com%252Fethos-life-insurance-review%252F) doesn’t exclusively write guaranteed issue whole life policies. The company offers term coverage, too, and simplified issue plans, which also don’t require medical exams, as well as fully underwritten plans, which do – but . can be cheaper and available to a higher death benefit. #### Coverage can begin immediately If you apply for a guaranteed issue whole life plan or simplified issue term life policy, you could receive a decision right away. If approved, you can activate your policy immediately, and your policy will go into effect instantly. #### Policies are sold online, but agents are available While many life insurers sell policies solely through agents, Ethos gives you the flexibility to buy term and whole life policies completely online, if you want, or to consult with an agent by phone or text, if you’d prefer those options. ### Cons explained #### The company’s whole life policies are only available to seniors Ethos’ whole life policies are only sold to individuals between the ages of 66 and 85. If you’re outside of that range, you are not eligible for Ethos’ whole life plans, and will have to apply for its term life insurance policies or work with another insurer. #### Not available in New York Residents of New York are not eligible to buy Ethos’ policies, and so will have to get coverage from another company. #### Available riders are unclear Although Ethos’ policies may allow you to add optional riders to your plan, Ethos doesn’t list information about the available options. Instead, you have to contact customer support to discuss possible riders. #### Payments must be made with credit or debit cards While most insurance companies allow you to use your checking or savings account to make payments, Ethos doesn’t have that option. It only accepts debit or credit card payments, and payments must be made monthly. ## Ethos Life Insurance Products [Ethos](https://money.com/pr/ja0b80d3e35f?ap_referrer=https%253A%252F%252Fmoney.com%252Fethos-life-insurance-review%252F) sells [term life insurance](https://money.com/what-is-term-life-insurance/) and [whole life policies](https://money.com/whole-life-insurance-guide/). Its policies can be purchased online, or you can work through an Ethos life insurance agent. ### Available life insurance plans Ethos sells two main types of life insurance plans: #### Term life Term life insurance provides temporary coverage. When you purchase a policy, you are covered for the designated term. If you pass away within that term, your beneficiaries receive the policy’s death benefit, but they receive nothing if you die after the policy’s term ends. A term life insurance policy is usually less expensive than a whole life plan with the same death benefit; those lower costs help make it a popular choice for many people. Ethos’ offers terms of 10, 15, 20 and 30 years. You can opt for between $20,000 and $2 million of coverage, through either a simplified issue plan or a fully underwritten one. Simplified issue plans don’t require medical exams; you simply have to answer a few questions. While such policies can be more expensive than fully underwritten plans, the application process is quicker and easier. Fully underwritten plans usually require a medical exam with lab work. The application and approval process can take several weeks, but you can qualify for a higher death benefit or cheaper premiums than if you opted for a simplified issue policy. #### Whole life Unlike term life insurance, whole life coverage is permanent. Because it lasts for your lifetime, and includes a cash value in addition to its death benefit, it tends to be more expensive than term life coverage. Ethos sells guaranteed issue whole life policies only to seniors. Ethos’ whole life plans are available to individuals between the ages of 66 and 85, and coverage amounts range from $1,000 to $30,000. Guaranteed issue plans have relatively low death benefits, but you cannot be denied coverage based on your health or medical history. They can be a useful option for individuals that have been denied life insurance coverage in the past, and want a basic policy to give their loved ones some financial protection. ### Insurance riders Although Ethos may allow you to add optional insurance riders to your policy, it doesn’t list information about the options on its site. Instead, you have to contact customer support to find out if riders are available. ### Limitations Ethos’ policies aren’t available to residents of New York. ## Take the first step towards protecting your family and apply for Life Insurance online ### Corebridge can help protect cover some of life's biggest expenses if anything unexpected occurs. Click below to get a free quote. [Get Quotes](https://money.com/pr/e865324d5b8f?ap_referrer=%2Fethos-life-insurance-review%2F) ## Ethos Credentials Ethos is a relatively young company. It was founded by two individuals, Peter Colis and Lingke Wang, who met at Stanford Business School after discussing negative personal experiences buying life insurance. They designed Ethos with the aim of making life insurance easier to purchase and understand. Ethos doesn’t underwrite plans itself. Instead, its policies are underwritten by several major life insurance companies, including Legal & General, Ameritas Life Insurance Group, AAA Life Insurance COmpany, TruStage Financial Group, CMFG Life Insurance Company, MEMBERS Life Insurance Company and Senior Life Insurance Company. ### Financial stability When you buy life insurance, it’s important to consider the financial stability of your insurer. Term policies can last up to 30 years, it’s essential to find a company that will still exist over the long-term, and so be able to honor any claims. Industry credit rating agencies like Moody's and S&P Global issue ratings based on their evaluations about insurers' ability to survive economic changes. Because Ethos’ policies are issued by multiple insurers, we looked up the credit ratings for each company. In general, the companies that underwrite Ethos’ policies have high ratings, meaning the credit agencies view these companies as financially sound and able to handle economic fluctuations in the future. Here are the details:
CarrierAM Best RatingMoody's RatingS & P Global Rating
AAA Life Insurance CompanyA (Excellent)N/AN/A
Ameritas Life Insurance GroupA (Excellent)N/AA+ (Excellent)
CMFG Life Insurance CompanyA (Excellent)AAN/A
Legal & GeneralA+ (Superior)AAN/A
MEMBERS Life Insurance CompanyA (Excellent)AAN/A
Senior Life Insurance Companynot ratedN/AN/A
TruStage Financial GroupA (Excellent)NAAA+ (Very Strong)
### Third-party ratings When it comes to third-party ratings, there is limited information about Ethos. Neither Ethos nor the companies that issue its policies were included in the J.D. Power U.S. Individual Life Insurance Study. The study ranked 21 life insurance companies based on customer satisfaction. ### Regulatory actions PolicyGenius has not faced any regulatory actions. ## Cost of Ethos Life Insurance Ethos offers both term life insurance and whole life policies. As with other companies, term life insurance tends to be cheaper than whole life policies with the same death benefit, and policies can be quite inexpensive if you purchase [life insurance in your 20s](https://money.com/life-insurance-for-young-adults/). To give you a snapshot of Ethos’ usual rates, we requested quotes for a healthy 30-year-old. Unlike other companies that give a specific rate, Ethos provides a premium range – to reflect how such factors as your health and prescription history can affect your rates. We found Ethos to be in line with the industry average for term life insurance.
$100,000 policy$250,000 policy$500,000 policy$1M policy$1M policy
10 years$8 to $12$9 to $15$13 to $23$19 to $40$25 to $58
20 years$9 to $12$12 to $19$18 to $32$29 to $57$40 to $82
Your rates may vary from the sample rates we received because premiums are based on multiple factors including your age, gender, health history and location. For whole life insurance, we recommend contacting Ethos directly. While you can get a quote online, it doesn’t allow you to customize your coverage amount, and it provides a wide range. For example, we requested a quote for a healthy 66-year-old woman, and it gave us a quote of $56 to $129. ## Ethos Accessibility Customers can apply for life insurance directly through the Ethos website; there’s no need to speak with an agent unless you have questions or need help with the application process. Ethos has a team of licensed agents available via phone or email. It also contracts with a network of independent insurance agents, so you may be able to find a local agent that sells Ethos’ policies. ### Contact information Ethos’ customer support team can be reached via live chat or phone: Phone: 415-915-0665 Text: 415-702-1844 Email: Support@EthosLife.com Customer service is available Monday through Friday from 8:00 a.m. until 6:00 p.m. CST. ### User experience Ethos customers can use the online customer portal to make payments and view policy details. However, you cannot update your beneficiaries online; to make any changes to your beneficiary information, you must contact Ethos’s support team. ## Ethos Customer Satisfaction In general, Ethos life insurance receives positive reviews from customers, with relatively few complaints. ### Customer reviews Ethos has excellent customer reviews on Trustpilot, where it has a TrustScore of 4.9 out of 5, based on over 6,000 reviews. Customers mentioned the quick application process, helpful and responsive agents and transparent application requirements. ### Complaint index By looking up the number of complaints that customers submitted to insurance regulators, you can get a sense of how the company handles customer service. The National Association of Insurance Commissioners (NAIC) collects information on the number and type of complaints consumers submit about insurers. Comparing that information to industry norms, the NAIC releases annual complaint ratios. The industry standard for complaint ratios is 1.0. A company with a higher ratio received more complaints than the NAIC would expect, while a company with a ratio below 1.0 received fewer complaints. Most life insurance companies that issue Ethos’ policies tend to have low complaint ratios, meaning fewer complaints were submitted about them than is typical for companies of their size. The only exception was AAA Life Insurance Company; it’s complaint ratio was 1.65, slightly higher than the industry standard.
Carrier2020 Complaint Index for Individual Life
AAA Life Insurance Company1.65
Ameritas Life Insurance Group0.67
CMFG Life Insurance Company0.62
Legal & GeneralNot listed
MEMBERS Life Insurance Company0.00
Senior Life Insurance Company5.80
TruStage Financial GroupNot listed
### Does Ethos require medical exams? Whether a medical exam is required is dependent on the type of life insurance and the coverage amount you want. For Ethos' whole life policies, medical exams aren't required. For term life coverage, Ethos has both simplified issue plans and fully underwritten policies. Simplified issue policies allow you to skip the medical exam. Instead, you answer a few questions about your health to apply. ### How long has Ethos life insurance been around? Ethos was launched in 2016 by entrepreneurs Peter Colis and Lingke Wang. Colis and Wang founded Ethos to offer simple, affordable life insurance policies. ### What types of insurance does Ethos sell? Ethos sells term life insurance and guaranteed issue whole life policies. Its term policies are for individuals between the ages of 20 and 85, while its whole life policies are only available to applicants 66 to 85. ## How We Evaluated Ethos Life Insurance In our evaluation of Ethos and other life insurance companies, we looked at the following factors: - Available plans and terms - Insurance riders - Policy exclusions - Underwriting process - Cost - Financial stability - Customer service - Customer reviews - Third-party ratings ## Summary of Money’s Ethos Life Insurance Review If you don’t have [life insurance](https://money.com/life-insurance-beginners/) and have had difficulties qualifying for a traditional term or whole life policy, [Ethos](https://money.com/pr/ja0b80d3e35f?ap_referrer=https%253A%252F%252Fmoney.com%252Fethos-life-insurance-review%252F)’ guaranteed issue policies could be a useful option. You can get up to $30,000 in coverage online, and you cannot be denied based on your health or medical history. Ethos also sells term life policies, and you can get up to $2 million in coverage. Some individuals will qualify for simplified issue term life coverage, allowing them to purchase a policy without a medical exam. While Ethos could be a convenient option for some, it may not be the best choice for everyone. Its whole life policies are only available to individuals between the ages of 66 and 85, and residents of New York aren’t eligible for any of Ethos’ policies. If you don’t qualify, shop around and compare life insurance policies from other companies to get the coverage you need. ## Tailor your Life Insurance policy to fit your budget and needs ### Get the policy that's best for your family today with Corebridge. Click below to get started! 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