Depending on the product and your state of residency, Ethos may not be able to offer you coverage if you intend to replace existing coverage.
With any policy insured by Legal & General, America or Ameritas Life Insurance Corp. (except FL and AR residents) you can apply to replace your current coverage with Ethos. If you decide to replace any existing coverage, be careful not to terminate your existing coverage until your new application has been approved, to avoid any gaps in coverage. With any policy insured by AAA Life, anyone applying for replacement coverage is considered ineligible.