In short, yes. Ethos is designed so that you can apply for life insurance the way you want.

Does Ethos have agents? - Ethos Life

Does Ethos have agents?

Yes, you can adjust your coverage amount and term length after you apply.

Can I change my coverage amount or term length once I apply? - Ethos Life

Can I change my coverage amount or term length once I apply?

Yes. You are able to choose multiple beneficiaries. 

Can I choose more than one beneficiary? - Ethos Life


Can I choose more than one beneficiary?

You are eligible for a refund during the first 30 days that your policy has been active.

Do I get a refund if I cancel my policy? - Ethos Life

Do I get a refund if I cancel my policy? 

It’s possible to be denied coverage, but your history of health problems shouldn’t stop you from applying.

Can I get coverage with Ethos, even if I’ve had health problems? - Ethos Life

Can I get coverage, even if I’ve had health problems?

Send us an email to accounts@getethos.com, and we’ll help you update your beneficiaries.

How do I manage my beneficiaries? - Ethos Life

How do I manage my beneficiaries?

Your spouse or adult child (between ages 20-65) will just need to apply through our standard application process.

Can I insure my spouse, parents, or children? 

It depends on your policy and your state of residency.

Can I replace a policy from another company with Ethos? - Ethos Life

Can I replace a policy from another company with Ethos?

Simply call (415) 915-0665 on weekdays from6am–4pm PT / 8am–6pm CT or email support@ethoslife.com.

Can I speak with a real person if I have questions? - Ethos Life

Can I speak with a real person if I have questions? 

The listed beneficiary must be the one to complete all claim requirements in order to receive the benefit amount, however the initial notification of the claim does not have to come from the beneficiary.

Can only the beneficiary submit the claim? - Ethos Life

Can only the beneficiary submit the claim?

If you’re married, have children or dependents, own a home, or own a business—you probably do.

Do I Need Life Insurance? - Ethos Life

Do I need life insurance?

The policies we sell do cover coronavirus. This is true even if you’ve recently traveled or have been exposed to someone with the virus.

Does life insurance cover coronavirus (COVID-19)?  - Ethos Life

Does life insurance cover coronavirus (COVID-19)?

Yes, some Ethos policies include riders. 

Does Ethos offer policies that include riders? - Ethos Life

Does Ethos offer policies that include riders?

Currently, Ethos offers term and guaranteed issue whole life insurance policies. 

Does Ethos only offer term life insurance? - Ethos Life

Does Ethos only offer term life insurance?

Send us an email at support@ethoslife.com anytime.

How can I fix incorrect information on my application? - Ethos Life

How can I fix incorrect information on my application?

Your details can be accessed after your policy is activated through your Ethos portal online at app.ethoslife.com/login.

How do I access my policy details? - Ethos Life

How do I access my policy details? 

You can apply for personalized coverage online in minutes. If you have any questions, we’re here to help.

How do I apply? - Ethos Life

How do I apply?

Login to your account at ethoslife.com/login to pay and manage your billing information.

How do I make a premium payment and update my billing information?  - Ethos Life

How do I pay my premium and update my billing information?

The policies we offer are insured by some of the world’s best life insurance companies.

How do I know that your policies are reliable? - Ethos Life

 How do I know that your policies are reliable?

You can send any changes to your contact information (email, phone number, etc) to accounts@ethoslife.com

How do I update my contact information? - Ethos Life

How do I update my contact information?

To access your Trustage policy and make changes such as updating beneficiary info or changing you payment method, please log in to your TruStage account at http://trustage.com/my-account/login or contact TruStage Customer Care at (855) 591-9026.

How do I view, make changes, or cancel my Trustage policy? - Ethos Life

How do I view, make changes to, or cancel my Trustage policy?

We love referrals! Share Ethos with friends and family—anyone you think may benefit from life insurance, as long as they meet our general eligibility requirements.

Does Ethos have a referral program?

Accidental death vs. life insurance explained. Understand the differences between life insurance and accidental death for confident coverage choices.

Accidental Death vs Life Insurance: Key Differences Unveiled | Ethos Life

How is accidental death different from life insurance?

Ethos uses advanced technology to make it easy for families to get affordable life insurance coverage to protect their loved ones.

What makes Ethos different? - Ethos Life

What makes Ethos different?

Your final price might look different than your initial estimate because it considers far more information.

How is my final price calculated? - Ethos Life

How is my final price calculated?

Some applicants get approved immediately. Otherwise, it can take a couple of days or weeks.

How long does it take to get a decision on my application? - Ethos Life

How long does it take to get a decision on my application?

This can vary for many reasons as the claim is reviewed. You can help by keeping updated records for your beneficiary to reference.

How long will it take for a claim to be paid?

We offer a wide range of coverage options. Coverage amounts vary by policyholder eligibility, policy type and by carrier. 

How much coverage can I apply for? - Ethos Life

How much coverage can I apply for?

Everyone’s needs are different. When purchasing coverage you should evaluate what you're buying coverage for to determine how much you need.

How much coverage do I need? - Ethos Life


How much coverage do I need?

By ceasing to pay your monthly premiums or requesting a surrender form.

How do I cancel my policy? - Ethos Life

How do I cancel my policy?

Sometimes underwriters may have a few additional questions or need a little clarification.

I was asked for follow-up information – what does this mean? | Ethos Life

I was asked for follow-up information - what does this mean?

There’s a good chance it’s not enough. Additionally, the coverage typically won’t last if you leave the company.

I already have life insurance through work. Is it enough? - Ethos Life


I already have life insurance through work. Is it enough?

This policy option is best for people over the age of 65 years old. 

Is Guaranteed Issue Whole Life right for me? - Ethos Life


Is Guaranteed Issue Whole Life right for me?

You may start an application and withdraw from the application process at any time without penalty.

What if I change my mind during or after my application? - Ethos Life

What if I change my mind during or after my application?

There are a lot of reasons people go with Guaranteed issue whole life policies. 

What are key features of Guaranteed Issue Whole Life Policies?

What are key features of AAA Life Guaranteed Issue Whole Life Policies?

No medical exams, level premiums, policy builds cash value, and guaranteed approval. 

What are the benefits of a guaranteed issue whole life insurance policy?


Underwriters review your application and approve, request more information, or deny your application.

What happens after I submit my application?

Death benefit payments will be made if you die for any reason except the following:  1.) If insurance fraud has been committed, 2.) if parts of the application were not answered truthfully, or 3.) if the claim is the result of suicide

What does a policy administered by Ethos cover? 

Typically, life insurance payouts are used to cover expenses like home mortgages, burial expenses, college tuition, existing debt, medical bills, living expenses, cosigned debt, or any other expenses your loved ones may have.

What does life insurance cover? - Ethos Life


What does life insurance cover?

If you miss a payment, you’ll have a 31-day grace period. After that, your policy will lapse.

What happens if I miss a payment? - Ethos Life

What happens if I miss a payment?

When your term ends, you can renew your policy until you reach the age of 95 without applying again.

What happens when my coverage term ends? - Ethos Life

What happens when my coverage term ends?

Once approved, an agent will help you with any next steps if your new age could impact your premium amount.

What if my birthday occurs during the application process? - Ethos Life

What if my birthday occurs during the application process?

The person(s) who receives the policy proceeds if you pass away while your policy is in force.

What is a beneficiary? - Ethos Life

What is a beneficiary?

The lump-sum payment your beneficiary receives if you pass away. Generally, it’s not taxed.

What is a death benefit? Is it taxed? - Ethos Life


What is a death benefit? Is it taxed?

A rider is a document that becomes a part of a life insurance policy, which can provide additional coverage or benefits.

What is a life insurance rider? - Ethos Life

What is a life insurance rider?

You make payments to a life insurance company, and they give your loved ones a payout if you pass away.

What is life insurance? - Ethos Life


What is life insurance?

Permanent life insurance lasts for your whole life and typically has a cash value component which is why it is often more expensive than term life insurance.

What is permanent and whole life insurance? - Ethos Life

What is permanent and whole life insurance?

An easy and more affordable way to get life insurance coverage for a set period of time, or “term.”

What is term life insurance? - Ethos Life


What is term life insurance?

Yes. Each policy has a 30-day money-back guarantee. After that, you can cancel anytime with no extra fees.

Does Ethos offer a money-back guarantee? - Ethos Life

Does Ethos offer a money-back guarantee? 

It can depend on several factors, including your children’s age, your proximity to retirement, and your mortgage.

Which term length is right for me? - Ethos Life


Which term length is right for me?

How life insurance companies determine whether they’re able to insure you, and how much it will cost.

What is underwriting? - Ethos Life

What is underwriting?

It depends on your situation. Almost everyone can benefit from some sort of coverage. You’ll need to understand your coverage needs in order to decide which type of policy is right for you. 

What kind of life insurance do I need? - Ethos Life


What kind of life insurance do I need?

After your application qualifies for or is approved for coverage and you pay your first premium, you’re covered.

When does my coverage begin? - Ethos Life

When does my coverage begin?

Life insurance increases as you age, so it's best to purchase at a young age.

When should I get life insurance? - Ethos Life


When should I get life insurance?

In the event of the insured's death, you can contact our team at 415-915-0665 to report the claim.

How do I file a claim? - Ethos Life

How do I file a claim?

Anyone between the ages of 20 and 85 can apply for coverage with Ethos.

Who is eligible to apply for a policy with Ethos? - Ethos Life

Who is eligible to apply for a policy?

Sequoia, Accel, GV, Goldman Sachs, Jay-Z, and Will Smith—to name a few.

Who are your investors? - Ethos Life 

Who are your investors?

So we can protect any private information you share.

Why do I need an Ethos account to apply? - Ethos Life

Why do I need an Ethos account to apply?

The information required is used to determine your cost, expedite the application, to protect your identity, and prevent insurance fraud.

Why does the application require so much information? - Ethos Life

Why does the application require so much information?

Applying for a life insurance policy with Ethos will not affect your  credit score. We run something called a soft credit check, which will not change your credit score.

Will applying hurt my credit score? - Ethos Life

Will applying hurt my credit score?

Nope! All term policies we offer have level premiums, meaning your price will never change during your term.

Will my premium ever change over time? - Ethos Life

Will my premium ever change over time?

Ethos products can provide coverage for more than 95% of U.S. adults aged 18-85.

Are Ethos products only for people in good health?

U.S. citizens or legal permanent residents residing in the U.S. for the past 6 months are eligible to apply. Legal permanent residents should respond to the 'Place of birth' question with the name of the state in which they've been residing for the past 6+ months.

Are non-citizens eligible for life insurance through Ethos?

You are welcome to promote Ethos life insurance by phone, on your website, via emails, or on social media.

How can I market Ethos products? - Ethos Life

How can I market Ethos products?

Yes—we’re happy to assist and support you anytime.

Does Ethos offer agent support? - Ethos Life

Does Ethos offer agent support?

You’ll find a comprehensive playbook, along with onboarding and sales support materials in the agent portal.

What training does Ethos provide agents? - Ethos Life

What training does Ethos provide agents?

We pay compensation as earned—weekly for activated policies and monthly for bonuses and referrals.

How do I get compensated? - Ethos Life

How do I get compensated?

You will receive credit for any policy a client activates within 180 days of starting an application with you. The application needs to have been started from your Ethos agent landing page, unique application link, personal quoter widget, or agent portal.

How do I get credit for policies activated with Ethos?

You’ll provide your client with a link to the Ethos website, where they can start the online application.

How does the client application process work? - Ethos Life

How does the client application process work?

Ethos is a licensed agency that provides producer, underwriting, and third party administrator services.

Who is Ethos?