What is Ethos’s cancellation policy?

Ethos provides a 30-day money-back guarantee. You will receive a full refund if you cancel for any reason. Even after the first 30 days, you can still cancel at any time without any cancellation fees.

How do you file a claim with Ethos?

Beneficiaries must contact the insurance company that Ethos paired the policyholder with. The company will then walk you through the process.

Does Ethos pay out life insurance?

Ethos doesn’t underwrite its own policies but is issued by other companies. Its term life policy offer up to $2 million in coverage but doesn’t build cash value and won’t pay out if you outlive the term or don’t renew it before the coverage expires.

When was Ethos established?

Ethos has been active in the insurance market since 2016. It was founded by Peter Colis and Lingke Wang, and now boasts over $400 million of invested capital as of 2023.

Ethos Life Insurance Reviews

Is it the best choice for life insurance?

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Overview

No of reviews: Consumer affair (364), BBB (75), Trustpilot (1,139), Total reviews (1,578)
Ratings: Consumer Affair (4.6), BBB (4.65), Trustpilot (4.7), Average ratings (4.65)
Ethos Address: 1606 Headway Circle #9013 Austin, TX 78754
Phone number: (415) 915-0665

Our Verdict

4.5/5

Ethos is a legitimate and an excellent choice for life insurance policies. Getting same day coverage is a major perk boosted by an excellent A+ rating from the Better Business Bureau (BBB). Although the death benefits are lower than some competitors, its policies are easy to buy even without a medical exam. Ethos also boasts a good reputation among customers and has had fewer complaints than most of its competitors. So, it’s a great choice for anyone looking to get life insurance coverage online.

About Ethos Life Insurance

Ethos doesn’t underwrite the policies it offers. Unlike traditional life insurance companies, Ethos is a digital insurance agency that takes a modern approach to life insurance policies. It doesn’t require medical examination and delivers same-day coverage from top carriers.

Ethos offers policies that are customizable to fit your budget, and sales agents that don’t work on commissions. It offers term life and whole life insurance through trusted insurance carriers. You need only answer a few health questions and provide your information to get a free quote online and purchase a policy. Ethos gives you same-day coverage and lets you get a full refund within the first 30-days.

Ethos Pros & Cons

Pros

Same-day coverage
No pressure
Free online quote
No medical exam for most applicants

Cons

Age limitations
Limited riders
No local agents

Ethos Life Insurance Policies and Coverage

Ethos offers term life and whole life insurance policies through top carriers like Amica, Corebridge, Legal & General America, and TruStage. Each policy comes with extra features. Term life policies have level premiums and are renewable. Ethos whole life policies come with riders, including accidental death benefit, accruing cash value, policy loans and reduced paid-up or extended term insurance options. However, applicants must be between ages 66 to 85 to qualify for whole life coverage.

Plan	Term length	Benefit amount	Issue ages
Term life	10, 15, 20 or 30 years	$100,000 to $2 million	20 to 65
Whole life	Lifetime	$10,000, $15,000, $20,000 or $25,000	66 to 85

Ethos Life Insurance Customer Reviews & Complaints

Here’s a quick glance at what customers have said about Ethos.

3.5

(4 Reviews)

(2)

(0)

(1)

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(1)

Reviews

Best life insurance ever

My experience with Ethos life was very refreshing, straightforward and easy. Everything they advertise was provided. The process was easy and simple. I submitted my information and my policy got approved within minutes with no medical exam. I’ve always had a bad experience with insurance companies and it has prevented me from attempting to purchase a life insurance policy. So, if you’re in the market for life insurance, please contact Etho’s life. Even if you’re not in the market for a policy. This is a piece of mind and protection for your family just in case. Their rates are very reasonable for the coverage that you’re getting. I would give them 10 stars if I could.

The application for Ethos was an incredibly simple process. The rates are relatively competitive to others and, in fact, even beat some of those companies. Making it better, I didn’t have to go through the drawn out medical exam process, which is not only inconvenient but doesn’t exactly correlate with better rates with excellent results. I would definitely recommend giving Ethos a try for your life insurance needs.

I’ve been trying to get a few questions answered for about 3 weeks now via email and nobody has responded back to me. If possible could a representative please email me back at the email that I provided. Thank you.

Over sell…under deliver

Offered free services included with life insurance purchase…then after purchasing policy they said oh sorry it’s no t available for you…haha! Yeah…ok.

Who Should Buy Ethos Life Insurance?

Getting life insurance from Ethos is a good option for people who want to get their policy without taking a medical exam. It might also be a viable choice for people who prefer to buy and manage their policies online. Since Ethos is a digital agency and not a brick-and-mortar insurance company, it should appeal to those who don’t prefer working with a local agent. Customers looking for universal or variable life insurance policy and prefer a higher coverage limit than Ethos offers should look for another company.

Frequently Asked Questions

What is Ethos’s cancellation policy?

Ethos provides a 30-day money-back guarantee. You will receive a full refund if you cancel for any reason. Even after the first 30 days, you can still cancel at any time without any cancellation fees.
How do you file a claim with Ethos?

Beneficiaries must contact the insurance company that Ethos paired the policyholder with. The company will then walk you through the process.
Does Ethos pay out life insurance?

Ethos doesn’t underwrite its own policies but is issued by other companies. Its term life policy offer up to $2 million in coverage but doesn’t build cash value and won’t pay out if you outlive the term or don’t renew it before the coverage expires.
When was Ethos established?

Ethos has been active in the insurance market since 2016. It was founded by Peter Colis and Lingke Wang, and now boasts over $400 million of invested capital as of 2023.

Agency Height Team

Updated on: June 17th, 2026

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