I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 19, 2021

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What’s New in 2021 for Ethos Life Insurance

Ethos Life Insurance prides itself on providing simple and affordable life insurance policies with an easy and quick online application process. 

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How Has Covid-19 Affected Ethos Life Insurance

Ethos has cut back on their employees due to Covid-19’s financial uncertainty. However, as per Ethos Life Insurance, their customers and existing policies will not be affected by Covid-19 and their coverage will continue to cover those who have passed away due to Covid. 

New applicants can apply online without leaving the safety of their homes and are not impacted by any quarantines. However, if an applicant has traveled internationally or to a U.S. area with a high travel advisory due to Covid-19, they will need to wait 30 days from their return before applying for insurance.  

If a new applicant requires a medical exam, the Ethos examiners take all necessary precautions and follow the CDC Covid-19 guidelines to ensure everyone’s safety and protection.

New Products or Changes

While Ethos provides life insurance policies, they are interested in helping their clients with their health, finances, and lifestyles. Ethos has updated its site with new blog articles, including a coronavirus checklist. 

Ethos Life Insurance in the News

Forbes recommends Ethos as being a great life insurance option with a fast and easy application process.  

In May of 2020, Ethos hired its first Chief Revenue Officer, Erin Lantz. They then made headlines in the summer of 2020 for unfortunately laying off 14% of their workforce due to Covid-related finances. 

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2021 Latest Ethos Life Insurance Reviews

Ethos has been receiving positive reviews from its clients on the Better Business Bureau, receiving 4.43/5 stars. Clients for the most part are pleased with the customer support, have rave reviews on the ease of the application process, and are happy with the rates. However, a client did complain of poor communication and a frustrating application process.

Customers are also reporting positive experiences on Google reviews. The majority of clients like the simplicity and ease of the online application process on their intuitive website and appreciate the fast response time to their application. “Life insurance made easy for millennials,” one reviewer declares. 

There are some critics, though, who are unsatisfied with the payment options and costs, such as an additional hidden fee. A few criticize Ethos for using the infamous bait and switch method to attract clients with the promise of a low cost and then adding on extra fees. On the whole, Ethos Life Insurance has been receiving much positive feedback. 

Ethos is one of the newest players in the life insurance industry, but that doesn’t mean they don’t know what they’re doing. Many prominent sources have backed Ethos since its inception in June of 2018.

They launched with the help of several leading sources, including Stanford University, Sequoia Capital, and celebrity organizations like those involving NBA player, Kevin Durant, and actor, Will Smith.

Is Ethos a Good Company?

Their new status also means there is not a comprehensive list of their customer satisfaction rates. As explained on their website, though, Ethos takes pride in putting their clients first. Their technology-driven strategies make it easy for clients to get approved and acquire their insurance as soon as possible.

They don’t require a medical exam for approval, so it is an excellent alternative for policyholders who need to get insured quickly. As opposed to offering life-long insurance, Ethos exclusively offers term policies, from ten to thirty years.

The policies are issued by their parent company, Assurity Life Insurance Company, which was established more than 130 years ago. They are backed by several larger firms that have been trusted by the masses over the years, such as Aon, RGA, and Munich Reinsurance America.

Their policies are all done electronically online, and they are more forward-thinking than other companies that have an extensive or confusing paper trail. Ethos are new to the industry, so we will have to see how they fare in a few years, but their present clientele seems to be happy with the services.

How Does Ethos Life Insurance Work?

The beauty of Ethos life insurance, compared to other companies, is simplicity. They break down their process in three simple steps: get a quote, quickly apply, and be covered.

You don’t even need to have applied before you can formulate an idea of how your desired policy is structured. The predictive technology resources help deliver a number for you before you go through with the application process. It helps clients decide whether it’s worth their time to proceed with the insurance application.

When it comes to the quote, you’ll be able to arrange and customize your requirements to match your unique set of circumstances. After you receive the quote, you will begin the short application process. They boast that the entire process only takes minutes.

Your plan is already chosen, so the entire ordeal should take about ten minutes. From this basic information, they will be able to gauge if you’re a fit for their policies, and if you are, you will be covered. After your information is organized, they will let you know about your options and give you more details on each alternative.

Ethos is seen as a company that offers affordable policies. Their process allows for instant approval if you qualify, saving you valuable time and money along the way. The entire process is made as simple as possible.

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Ethos Life Insurance

Ethos is available in every state in the USA, except for New York. They offer their clients term policies that match their age, health, and a few other applicable factors. The company serves clients from 18 to 75 and offers plans from anywhere between ten, fifteen, twenty, or thirty years.

According to their policies, Ethos provides the following life insurances coverage:

  • For nonsmokers aged 18 to 55 and smokers aged 18 to 50, they offer up to thirty years
  • For nonsmokers aged 56 to 65 and smokers aged 51 to 65, they offer up to twenty years
  • For individuals aged 66 to 70 (whether they smoke or not), they offer up to fifteen years
  • For individuals aged 71 to 75 (whether they smoke or not), they offer up to ten years

If you are looking for insurance over $1 million, Ethos may require you to take a medical exam so that they have their bases covered. For most applicants, the process will revolve around answering some simple questions, while their predictive services determine if you qualify or not.

What is the Rating of Ethos Life Insurance?

As mentioned, only time will tell the real rating of Ethos. For now, there is an 85/100 approval rating from The College Investor—a number determined through pricing, ease of use, products, services, and customer service.

Individual categories for Ethos graded the pricing at 95 percent, the ease of use at 90 percent, the products, and services at 75 percent, and the customer services at 80 percent. It seems that the convenience factor when combined with their favorable policies, has left industry players and customers alike impressed.

Pros & Cons of Ethos


  • Affordability and Convenience: As the entire process is streamlined online, it takes the pressure off the customer. Most of the time, a potential client will not need to spend the time or money it takes to complete a medical exam before they are reviewed for their policy.
  • Quick Decisions: Ethos is known for quick decisions as well, which has clients insured faster and provides them with peace of mind.
  • Lack of Negative Complaints: Complaints have been filed against the company for a variety of reasons, but less so than most other insurance companies. The lack of criticism is likely due to their relative inexperience. The National Association of Insurance Commissioners publishes results based on the number of clients who complain. They level this information with the market share. The average score is a 1 on their scale, and Ethos clocked in at 0.16, far lower than the industry standard.


  • You can be denied coverage to Ethos if you are deemed too much of a risk.
  • If you smoke, your options will be limited due to the inherent health effects.
  • If you desire a policy of over $1 million, you will need to take a medical exam.

Your overall decision will depend heavily on what type of policy you’re looking for, how much money you want to spend, and the state of your health.

Have you had any experience with Ethos Life Insurance? Let us know in the comments.