While we hope you would not want to cancel your policy, you can do so at any time without penalty.
Yes, the coverage options that you applied with are not locked in. You can change your coverage amount or term length up until the policy is active. Upon approval, you can go over various coverage options with an agent to choose a policy that best fits you and your loved ones.
To update any information, please contact Ethos by phone (415) 322-2037 or email at hello@ethoslife.com, and let us know what needs to be changed. Please note that some changes may require a newly completed application.
Get started by selecting any “Check My Price” button on our website and answering five quick questions. Based on those answers, we’ll give you a range of policy options to choose from and an estimate of your rate. Select the policy term and amount that’s right for you.
We’ll guide you through our online application, which takes just minutes for most people to complete. If at anytime you have questions, our team is here to help. Call, text 415-855-4331, or email hello@ethoslife.com.
Some applicants are approved instantly. Otherwise, our underwriting process usually only takes about 7-10 business days to complete.
Absolutely not. You may choose to withdraw from the process at any time without penalty. The Docusign after you have completed all the application questions is simply confirming that the information listed is correct and that you give permission for us to send it over to the underwriters.
The underwriters occasionally do have additional questions or need to review additional information. This is no cause for alarm, it just simply means they need more clarification on certain points.
If your birthday occurs during the application process, you will have the option once approved, to move forward with backdating your policy to your birthday at a lower premium or moving forward with the current date of your policy, at a slightly higher premium. An agent will reach out to you once approved with these options.
Our agents take into account any loans or liabilities you may have, income replacement (10-12 x your income), final expense costs, and any education plans for children.
DocuSign is used to review the information you have provided in the online application and to confirm the information is correct. It also gives us permission, once you have e-signed, to submit your application to our underwriters.
There is no waiting period. Once approved, you'll have a conversation with an Ethos agent about your policy details before being charged your first premium. Once the first premium is charged, you are fully covered.
We ask that you create an Ethos account using your email address so that we can protect the private information you submit during the application process.
We ask for sensitive information during the application process because we underwrite our term policies in real-time. We ask all of the necessary questions up front that we expedite the process as much as possible. We ask for your Social Security number, Driver's License, and credit card to help verify your identity and prevent fraud. This is a standard requirement of the underwriting process regardless of where you shop for life insurance.
We ask for your income to help determine the amount of coverage you are eligible for. This also helps us find the right coverage for you once you are approved.
Nope! A Ethos term policy has a set price and does not become more expensive as you age or if your health changes. Once you accept your offer, your price will remain the same throughout the entire duration of your term. However, you do have the ability to adjust your coverage at any time.