A+
AM Best Rating
$1,000,000
Max Coverage
Yes
No Exam Available
Overview
Ethos is a technology-driven life insurance company that partners with established carriers to offer term life insurance entirely online. No medical exam is required for most applicants, and coverage decisions are often instant.
✅ Pros
- ✓No medical exam for most applicants
- ✓Instant coverage decisions
- ✓Entirely online application — takes about 10 minutes
- ✓Coverage up to $1,000,000
- ✓Competitive rates for healthy applicants
❌ Cons
- ✗Not available in all states
- ✗Limited to term life (no whole life or universal life)
- ✗Higher premiums than fully underwritten policies for older applicants
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