And we’re well on our way.
The traditional process could take weeks to complete—and that’s just the application. It could involve confusing paperwork and long phone calls with commissioned agents. At the end of the day, it wasn’t as people-friendly as it could be.
We set out to change that.
Ethos has redesigned the application process from start to finish, to make sure you always come first. How? By offering flexible coverage options, eliminating unnecessary hassles, giving you access to valuable online tools, and having a team of non-commissioned agents ready to help you through it all.
We’re here to put you first.
Our founders, Peter Colis and Lingke Wang, started Ethos in 2016 with the goal of making life insurance affordable, accessible, and straightforward. The inspiration for Ethos stemmed from a negative experience with traditional life insurance. While Lingke was in college, he was upsold on an expensive life insurance policy he didn’t need and couldn’t afford. The pair eventually realized that Lingke’s experience wasn’t unique. Many Americans don’t know enough about life insurance, or have the right coverage for their families.
Ethos partners with some of the most respected and highly-rated insurance carriers in the world. As a third-party administrator, Ethos offers policies issued by Legal & General America (est. 1836), which has A+ (Superior) rating from A.M. Best and serves 10 million customers worldwide. Policies are reinsured by Munich Re (est. 1880), which also holds an A+ (Superior) rating from A.M. Best. Together, these insurance giants have paid out hundreds of millions of dollars in life insurance claims for over a hundred years.