Ethos, established in 2016, collaborates with various life insurance companies such as Ameritas Life Insurance Corporation, Mutual of Omaha, and TruStage to provide whole life and term policies. Although Ethos offers a narrower range of options compared to other insurance providers, it distinguishes itself with a streamlined application process for life insurance quotes that potentially eliminates the need for a medical examination usually mandated by other insurers.

Every policy type offered by Ethos comes with additional features to enhance its value. Term life policies guarantee renewability and maintain level premiums throughout the coverage period. Whole life insurance plans encompass an accidental death benefit, the accumulation of cash value over time, policy loans, options for reduced paid-up or extended-term insurance, and a waived annual fee specifically for AAA members.

Term Life

Ethos offers term life insurance with flexible options to suit different needs. Their term policies are available for 10, 15, 20, and 30 years. The death benefit options range from $20,000 to $2 million, providing a customizable range of coverage amounts. Eligibility for term life insurance with Ethos is open to those who are between 20 and 65 years of age. All term policies come with level premiums, meaning the premium amount remains consistent throughout the policy duration. Furthermore, Ethos guarantees the renewability of term policies until the age of 95

There are two life insurance options from Ethos – simplified issue and a fully underwritten term policy.

1. The simplified issue policy does not need a medical examination, making it a convenient choice for individuals who have health concerns but still desire instant coverage.

2. The fully underwritten term policy involves completing a medical questionnaire. Although it requires additional information, this option may offer a higher death benefit, potentially reaching up to the $2 million level.

Permanent

Unlike term coverage which provides protection for a specific duration, permanent life insurance remains in effect until the insured person passes away, as long as the premiums are consistently paid.

Ethos’ whole life insurance policies specifically cater to older adults between the ages of 66 and 85 who have the intention of providing financial support or leaving a financial gift to their loved ones. These policies offer immediate coverage for accidental deaths. For other types of death benefits, such as those resulting from illnesses or old age, coverage typically becomes applicable within two to three years, subject to eligibility and state requirements.

Ethos’ whole life policies are classified as guaranteed issue life insurance. These policies offer benefit amounts ranging from $1,000 to $30,000. ne notable feature is the guarantee of level premiums. Once you secure a policy, your premium rate will remain unchanged over the years.

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Riders

Riders are additional features that allow policyholders to tailor their life insurance coverage to their specific needs. They can provide added benefits such as accessing living benefits or suspending premium payments in the event of disability. While many top-rated insurance companies offer a wide range of riders to choose from, it’s important to note that Ethos has a more limited selection of rider options.

• Accidental Death Benefit: Ethos offers an Accidental Death Benefit rider, which provides an additional benefit in the event that the insured’s death is caused by an accident. This rider is available to select applicants and offers an extra layer of coverage specifically tailored to accidents.
• Terminal Illness: Ethos offers a Terminal Illness Rider that gives policyholders access to a share of their death benefit if they are diagnosed with a terminal illness that meets certain life expectancy criteria. This rider may be included in certain policies by Ethos without requiring any additional upfront cost.
• Perks Rider: Ethos includes a Perks Rider with their whole life policies designed for seniors. This rider offers a complimentary one-year membership to Legacy Assurance, a service that provides various benefits, including discounts on certain funeral expenses.

The cost of life insurance can be influenced by various factors, and typically, term life insurance tends to be more affordable compared to permanent life coverage. This is especially applicable for young and healthy individuals. The cost of an Ethos policy is determined by several factors, including age, gender, health condition, lifestyle choices, and the specific terms of the policy.

The average monthly premium for a 10-year term life policy with a $1 million death benefit can vary depending on whether the policyholder is a smoker or nonsmoker. As an example, a 25-year-old smoker might typically pay around $123 per month for such coverage, while a nonsmoker of the same age would around $58 per month.

Ethos provides a convenient online quote tool where you can receive personalized pricing based on your unique circumstances, delivering instant quotes within minutes.

Ethos provides a convenient and fully online process for obtaining life insurance. However, if you require assistance from a licensed, non-commissioned agent, they are available on weekdays from 8 a.m. to 6 p.m. CST. To reach out for support, you can call 415-855-4331 to activate your policy or 415-915-0665 for general assistance. Additionally, you have the option to text 415-702-1844 for further communication. Ethos can also be contacted through email at the following addresses, available at any time:

• For customer support: support@ethoslife.com
• For claims inquiries: claims@ethoslife.com
• For general inquiries: info@ethoslife.com

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Ethos revolutionizes the life insurance landscape by eliminating the requirement for a medical exam. Their policies are highly customizable to suit various budgets, and their sales agents operate without commissions, ensuring no pressure to upsell or promote unnecessary products. Both term life and whole life policies are offered, and you can begin the process by obtaining a free online quote.