Our agents are non-commissioned, so you can rest assured that you are getting the best recommendations for you and your family, which will set you up for long term success.
At Ethos, every customer is underwritten individually and receives a price based on many factors, like medical history, current health, age, and gender. It is possible to be denied coverage due to health issues.
That said, having health issues should not preclude you from applying for coverage. We have many satisfied customers who have a history of health problems.
Yes, you can replace your current coverage with a policy from Ethos. We recommend waiting until your policy is active so you do not have any gaps in coverage.
We exclusively offer level term life insurance at Ethos. We believe that this is the best policy for the large majority of families and is also the cheapest form of life insurance.
Ethos has partnered with some of the industry’s largest and most respected companies to ensure the safety and reliability of our policies, including: Legal & General America, RGAX, Assurity Life Insurance Company, and Munich Re.
Each policy has a 30-day free look period. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchasing.
After the 30-day look period, you may cancel your policy whenever you want to, for any reason. There are no cancelation fees or penalties if you choose to cancel your policy. You also have the flexibility to adjust your coverage at any time.
We offer a wide range of coverage options from $100,000 to $1.5 million and term lengths ranging from 10 to 30 years. The amount of coverage you're eligible for is based on your annual income and your current age. If you have questions or would like to chat with one of our licensed professionals to find the right coverage, call 415-855-4331 or email email@example.com.
Ethos is licensed and operating in 49 states, and is headquartered in San Francisco. We do not currently provide coverage in New York state.