Ethos
Fast no-exam term life insurance up to $2M
How it works
Ethos is a digital life insurance agency that matches you with term and whole life policies from A-rated carriers including Legal & General America and Ameritas. The entirely online application takes about 10 minutes, and most applicants receive a same-day decision without a medical exam. Ethos also offers guaranteed-issue whole life for seniors aged 66-85.
Is it right for you?
Consider if you
- You want life insurance without a medical exam
- You need coverage quickly with same-day approval possible
- You are age 66-85 and need guaranteed-issue whole life coverage
Skip if you
- People needing more than $2M in coverage
- Those who want policy riders, term conversion, or permanent insurance
Your money and data
Ethos is licensed in all 50 states. Quotes use a soft pull and do not affect your credit score. Policies are underwritten by Legal & General America (Banner Life), Ameritas Life Insurance Corp., TruStage, and Protective Life.
Pros & Cons
Pros
- No medical exam for most applicants up to $2M in coverage
- Same-day approval with a 5-10 minute fully online application
- Free estate planning tools included for eligible policyholders
Cons
- Slightly higher premiums than fully underwritten policies
- Limited policy riders and no term conversion option
- Coverage capped at $2 million
Pricing details
Term life from ~$16/month · Coverage $20K-$2M · Whole life $10K-$30K for ages 66-85
On ethoslife.com · We may earn a commission
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